Who are the clients of Kaiser International Healthgroup Inc.?

Among the many clients of Kaiser International Healthgroup, Inc. is the House Of Representatives. Refer to the memorandum (screenshot only) below. This proves that the company has a good reputation since it is the Philippines’ government officials who are being catered.

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. Baka kagaya din yan ng iba, pagdating ng araw hindi ma claim ang benefits ?

KAISER AY HINDI PRE-NEED PLAN. ISA SYANG HMO COMPANY AT WALA PANG HMO COMPANY NA NAGSARA OR HINDI NAKATANGGAP NG BENEFITS ANG MGA MEMBERS. VISIT THEIR FB PAGE TO SEE KUNG SINO NAKATANGGAP.

Q. Pano kung walang Kaiser accredited ospitals at clinics sa iyong probinsya. Magagamit parin ba ang Kaiser?

YES! 80% AND E SHOULDER NG KAISER SA MEDICAL EXPENSES MO BASE SA HEALTHCARE BENEFIT LIMIT MO

Q. Can Oversees Filipino Workers (OFW) apply for Kaiser Healthcare?

Yes, OFW can apply. In fact, there are many OFWs that are Kaiser policy owner. You can apply here online or to view a sample quotation.

Q. Is my family also covered in my policy?

No, it is an individual policy, not a family package type. It only has a family assistance service and denial or approval will solely depend on Kaiser Management Evaluation.

Q. What Are The Plans Available?

Starting at 10 years old up to 60 years old are eligible. And the premium will depend on the age bracket also. You will also have an annual policy fee of Php 500 or Php 3,500 for spot cash.
10 – 40 years old K45 or higher (starts at Php 2,647/month)
41 – 50 years old K60 or higher (starts at Php 3,529/month)
51- 60 years old K75 or higher (starts at Php 4,412/month)

Q. What are the accredited hospitals and clinics?

There are many accredited hospitals and clinics nationwide. You can check the full list in their official website.

Q. Is Kaiser International Healthgroup, Inc. legit?

The Kaiser International Healthgroup, Inc. is accredited by the Insurance Commission as a Health Maintenance Organization (HMO) with a license number HMO-2017-04-R. It is also one of the proud members of the Philippines Association of HMO Companies (PAHMOC).

Q. How stable is the company?

The initial authorized capital of the Kaiser company is Php 160M which is too way high from the required. Aside from that, Kaiser owns the majority of the shares of the Soldivo Funds which are among the top-performing mutual funds in the country.

Q. Can I can cancel and terminate my plan and get a refund?

You can cancel your plan within 30 days from filing your application and have a full refund given that the life insurance benefit was not used.

 Q. What are the different mode of payment and can I change it?

You have an option to pay monthly, quarterly, semi-annually, or annually. There is a two months discount if you opted to pay the premium annually, and a one-month discount for semi-annually. For spot cash, you will also have a different computation. Yes, you can change your mode of payment anytime after completion of its respective cycle. However, it is only applicable if it is an upgrade (from monthly to quarterly to semi-annually and so on) and not vice versa.

Q. Can I change my plan type?

Yes, you can change your plan type within 30 days only from the effectivity date of your plan. And only an upgrade of the plan is allowed.

Q. Can I withdraw from my policy?

You can only withdraw after the maturity period (after 20 years) from your health fund.

Q. How can I check the investment part of my policy?

Remember that you invested in the Kaiser product and not directly on the investment vehicle like on mutual funds. Your investment is the accumulated heath benefits which are guaranteed to have positive growth. You can request a statement regarding the available balance in your health fund after the 7th year.

Q. How long is the contestability period?

The contestability period means if the insurer dies within the time-frame the company has the right to conduct an investigation and can deny the claims depending on the result of the investigation. It is a way of protecting the company from any misrepresentation of information on the insurer’s application and any fraudulent claims. It begins as soon as the policy takes effect. For the Ultimate Kaiser Health Builder, the contestability period is 2 years.

Q. If the members need some assistance, what are the support hot lines or contact numbers?

For updated details and information, you can visit the full list of hot lines and contact numbers here.

Q. Do I need to become an International Marketing Group (IMG) member before I can avail the plan?

You are not required to become an IMG member in order to be able to avail of the Kaiser plan. Additionally, the exclusive broker is the International Marketing Group (IMG). Hence, you can avail a Kaiser plan through its members.

Q. How can I check my policy online?

You can access your policy online through Online Policy Management System (OPMS). In your OPMS account, you can view your contract, benefit card, history of payment, and scanned copy of official receipts.

Q. What are the ways to pay my policy?

You can pay on any IMG bank accounts or to any Kaiser International Healthgroup, Inc. bank accounts through online or by personally depositing in the bank. Another option is through bills payment on your online bank account particularly BDO and BPI. Or through your GCash account and Palawan Express.

Q. Can I use my Kaiser policy outside the Philippines?

No, you can only used it within the country and on accredited hospitals, clinics, doctors and dentists.