“HEALTH is WEALTH INVEST NOW! BEST HEALTHCARE PIONEER IN THE PHIL LONG-TERM“

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KAISER LONG TERM HEALTHCARE 3-in-1 INVESTMENT PROGRAM

Invest in Kaiser Ultimate Health Builder for your long-term healthcare needs. Kaiser is the only HMO in the Philippines where it allows you to save the money you paid whenever you were not able to use it, thus bringing together the features of an HMO, Health Saving Plan, Insurance and a financial investment all in just 1 product!

HOW DOES KAISER ULTIMATE HEALTH BUILDER PLAN WORK?

Kaiser International Health Group Inc. is registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser’s product is geared to address the long-term health care needs of individuals especially after their employment and retirement years. It will provide you a healthcare coverage beyond 60 years old.

Kaiser is duly accredited with the Department of Health (DOH). Kaiser is likewise, registered with the Securities and Exchange Commission (SEC) on June 08, 2004 as a Health Care Provider with an Authorized Capital Stock of Php 160M.

International Marketing Group (IMG) is the exclusive broker of Kaiser Healthcare products.

Secure your Future with KAISER 4-in-1 INVESTMENT.

Learn and enjoy watching from this video by one of our mentor My Money Doctor – Dr. Jaime Lorenzo explaining about How Kaiser Long-term Care Investment works! Looking forward na maintindihan mo din and consider it as one of your investment vehicle.

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What are the features and benefits?
The Ultimate Kaiser Health Builder Plan is a healthcare plan that allows one to control his own health and provide for his own future. It. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.

GUARANTEED CARE

Guarantees long-term care even after the age of sixty when the client has only himself to rely on. Issue age up to 60, but coverability extends after 60.

4-WAY INSURANCE COVERAGE

1. Term Life

2. Accidental death and dismemberment

3.Waiver of Installment due to death

4. Waiver of Installment due to permanent and total disability.

3-in-1 Product (Healthcare, Insurance, Investment rolled into 1)

HEALTH SAVINGS ACCOUNT

Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a “Health Savings Account” which can earn interest beyond 20 years. Benefits can be used up to any age.

RETURN OF PAYMENT

An accumulative, self-earning investment that comes with Return of Payment (85%) for non-utilization in the first seven (7) years of coverage

CONSUMABLE BENEFITS DURING PAYING PERIOD

Outpatient benefits, free annual physical examinations and free dental coverage

PAYMENT FLEXIBILITY

Flexible, upgradeable within 30 days and reinstatement can be done within 2 years after lapsed policy

FIXED RATES

Payable in 7 years only with fixed rates for the entire paying period

HOW DOES IT WORK?

A Kaiser Ultimate Health Builder plan has 3 periods: A 7-year savings period, a 13 year growth period and the maturity period.

1st Period: Accumulation or Saving Period

Year 1 to Year 7

For the first 7 years you will be paying for the plan. During this time, it works like a typical HMO wherein you have an annual benefit usable for hospitalization expenses. These are also a couple of benefits, like:

• Benefit of free Annual Physical Examination after one year of payment.

Physical Examination, Chest X-Ray, Routine Fecalysis, Routine Urinalysis &Complete Blood Count. ECG for Members above 35 and Pap Smear for Female Members above 35 years old or as required.

• Benefit of free Dental Check-up and basic dental procedures.

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• In-Patient benefits in accredited hospitals except for pre-existing conditions and dreaded diseases, up to the plan’s yearly medical benefit limit. Member’s choice of room and board.

• Waiver of installment/ Premium due to death/ total and permanent disability.

2nd Period: Extended or growth Period

Year 8 to year 20

During this phase, you have completed all the payments and all you have to do is wait and let the plan reach its 20th year (maturity). At this point your plan will have a starting cash value that you can also use for your medical expenses. Your money is invested during this period.

• Yearly Health Care Hospital Benefit Limit: 10% of the Long Term Care Benefit Value earned starting from the end of the Accumulation Period and every year thereafter up to the 20th year.

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.

• Additional Yearly Health Care Hospital Benefit: Accumulation of unused Health Bonus at 3-13% per year.

3rd Period: Maturity or Long-term care Period

Year 21 onwards

At the plan’s maturity at 20th year, several bonuses will be awarded like the guaranteed Long Term Care Benefit plus the Long Term Health Care Experience Incentive (85% of the premiums) will be returned to you if you didn’t use the plan during the earlier stages. Here, the cash value of your investment would also be good as cash- meaning you can use it for anything, not just hospitalization and medical expenses.

In comparison to other providers is that at this period, Kaiser stands out because most healthcare providers are already too expensive by the time you reach your 40s or even 60s. On the other hand, your money with Kaiser has already accumulated and depending on the plan you chose, your Total Health Benefits would be upwards of P500,000 all the way to several millions.

How much do I need to pay?

The premium or payment depends on your age and the plan that you will choose. Here is a pre-computed table (Plan k-45 to k-200) to show you some of the plans available. There are other plans available. You can create your own sample proposal and choose a Kaiser Plan that you want by clicking the button below:

GENERATE OWN KAISER PROPOSAL Click here..

FREQUENTLY ASKED QUESTIONS

Q. How can we be sure Kaiser will still be there in the long term? Can we trust Kaiser to fulfill its commitments?
A: 1. The Kaiser Ultimate Health Builder is a product of two actuarial studies made by an American and a Filipino actuarial, respectively.
2. The company and the products offered have passed the regulatory requirements of the gov’t thru the Securities and Exchange Commission and the Dept. of Health.
3. At least 51% of payments made by the plan holders automatically goes to a trust fund, as required by the government. KAISER cannot touch the trust fund. It is reserved for the future claims by the plan holders.
4. Kaiser trust fund is managed by two reputable international banks namely:
i.) ING BANK (based in the Netherlands) and
ii.) DEUTSCHE BANK (based in Europe)

Q. I just bought a K45 plan and would want to have a bigger coverage. Can I upgrade or buy another plan?

A: Yes, a plan holder or member may upgrade his plan within 30 days from the member’s effectivity date. The member may buy another plan only upon full payment of his policy which is on the 6th year.

Q: I just bought a K100 plan. Can I now avail of the Annual Physical and Dental Examination?

A: The member can avail of these two outpatient benefits after paying fully paying the first year’s premium. E.g. If his mode of payment is annual, then he can avail immediately after receiving his member’s kit containing his ID, benefit and dental card, provider directory, guide book and your schedule of benefits with the contract provisions.

Q: I have a K50 plan which I’d like to transfer to my daughter because I’m migrating to the U.SA. How do I go about transferring it?

A: The member can not transfer his/her policy account to beneficiary. Kaiser is only transferrable upon death. This is to help and secure other policy holders.

Q: If a member dies, is his K100 plan transferable to any of his beneficiaries? How much will his beneficiary get?

A: If the plan has approved term insurance coverage, the plan is transferable to the primary beneficiary. Kaiser shall pay the principal amount of the term insurance equivalent to the member’s long-term care benefit Php 100,000. If the cause of death is an accident, another Php 100,000 shall be paid.

Q: What if I invested on a K50 plan and during the paying period (first 7 years) I used my Kaiser plan for in-patient hospitalization?

A: Instead of getting the full amount of P583,084 you will only get P408,084. Still more than 100% of what you’ve invested.

Q: What if I just leave my funds even after the 20th year?

A: It just continues to grow at average rate of 10% compounded annually. This is exactly the reason why the earlier that you start, the more funds you can accumulate.

Q: Am I still covered with insurance beyond the 20 years?

A: YES, as long as your account is still funded. Your total fund beyond the 20th year serves as your insurance. E.g. If you invested on a K-50 plan and didn’t use/withdraw any amount from your fund, your total insurance coverage on the 20th year is P583,084

Q: What if I don’t get sick? Can I use my money for something else?

A: YES, because it’s an investment. Meaning you can use it for anyone, anything, and anywhere.

Kaiser International Health Group Inc. is duly accredited with the Department of Health (DOH). Kaiser is likewise, registered with the Securities and Exchange Commission (SEC) on June 08, 2004 as a Health Care Provider with an Authorized Capital Stock of Php 160M.