WHY CHOOSE KAISER?

Kaiser gives you two of the basic components one should be looking for in an investment: Protection + Growth.
Protection:
Kaiser covers not just your short-term healthcare but more importantly, it secures your long-term protection, for your healthcare needs at your old age, as well as your insurance or your family's protection in case of an unfortunate event.
Growth:
Since Kaiser is invested on a Mutual Fund that earns an average rate of 7% - 10% compounded annually, if you don't get sick and live long enough without getting sick, it can be good as cash. Meaning, you can withdraw your money and use for any of your other needs and responsibilities at your old age. Now, should you decide to leave your money even after maturity, it will just continue to grow at an average rate of 7% - 10% per annum.
In essence:
​Kaiser is a HEALTHCARE, INSURANCE, INVESTMENT + EMERGENCY FUND. It's a 4 in 1 investment vehicle.

1st Reason: Long-term Healthcare

Ang mga traditional HMO (Health Maintenance Organization) ay short-term lang. Magbabayad ka ng annual premium for a certain healthcare coverage. Magamit mo ito or hindi ay babayaran mo pa rin every year kung gusto mong ipagpatuloy ang healthcare coverage.

Sa Kaiser, puwedeng maging short-term at long-term. Kung nag-avail ka nito at biglang nagkasakit magagamit mo ang healthcare benefits. Paano naman kung hindi magamit? Okay lang! Dahil si Kaiser ay long-term healthcare din kung saan ang hinuhulog mo ay hindi masasayang at magagamit mo pa rin in future needs.

2nd Reason: Life Insurance

Sa traditional HMO (Health Maintenance Organization) kapag sinabing healthcare ay Pure Healthcare lang.

Sa Kaiser, hindi lang siya basta healthcare. May Life Insurance coverage din na kung saan ay protected ang pamilya.

Halimbawang may mangyari sa policy holder ay makakatanggap ang beneficiaries nito ng instant money mula sa Insurance Company.

Bukod pa doon ay may Waiver of Installment due to Death, Waiver of Installment due to Total and Permanent Disability at Transfer of Kaiser Policy to the Principal Beneficiary.

3rd Reason: Investment for Retirement

Bukod sa healthcare at life protection, ang kaiser ay may investment din.

Kung healthy ka at hindi mo nagagamit ang healthcare coverage bibigyan ka pa ng BONUS ni kaiser sa Maturity ng iyong 3-in-1 Saving Plan.

Makukuha mo ang lump sum sa 20th year ng iyong plan. May option ka rin na i-retain lang ito upang lumago pa ang pera mo.

Imagine? Nag-save ka lang sa loob ng 7 years may makukuha kang malaking halaga sa Maturity Period ng Saving Plan mo. Para ka ring may pension na pwede mong kuhanin buwan-buwan dahil good as cash itong investment mo.

                    MGA BENEPISYO NG KAISER

HEALTHCARE

Magagamit mo after one year ka na nakabayad or yearly ang binayad. At nag i increase ang healthcare benefits depende sa plan mo once fully paid

TERM LIFE INSURANCE

Minimum 205,500 ang benepisyo ng pamilya the moment na nakapagbayad ka you are covered kahit nasa abroad ka pa. Subject to contestability period.

ACCIDENTAL DEATH BENEFITS

Doble ang matatanggap na benefits ng beneficiary once accident ang kinamatay ni Planholder the moment na ang policy nya ay na approved na.

TRANSFERABLE

Once namatay si planholder lahat ng benefits ay ma transfer kay primary beneficiary during and after paying period.

RETIREMENT SAVINGS

Kumpletong package na eto kapag ikaw ay nagretiro. May savings ka na, Health Insurance at Investment pang kasama.

ONLINE ACCESS

Hassle free na. Dahil lahat ay ma access mo sa sarili mong portal or account. Maging sa pagbabayad

1st PERIOD: Accumulation Period or The Paying Period (First 7 Years)

The accumulation period is a 7-year paying period wherein the policy owner will pay the premium. The premium will depend on the type of policy plan and can be paid annually, semi-annually, quarterly, or monthly.

Benefits and privileges:

1.) Annual Physical Exam (APE)

2.) Basic Dental Benefits

3.) Basic Medical Benefits

4.) Waiver Of Installments Due To Death or Total Disability

5.) Accidental Death and Dismemberment

6.) Choice of room and board

7.) Term Life Insurance (20 years)

8.) Annual Benefit Limit

9.) Family assistance

You can start to avail of the benefits mentioned above if you were able to pay equivalent to a one-year premium (one annual payment, two semi-annual payments, four quarterly payments, or 12 monthly payments). And your policy is in good standing meaning it is in force and not lapsed. You just need to contact Kaiser to set an appointment on the accredited hospitals or clinics.

The pre-existing conditions are not yet covered within the 7 years paying period. That is to protect the healthy plan holders and the company. It is more focused on preventive healthcare. The out-patient benefits like consultation are not also covered this time and will be covered only during the extended period.

Your annual health benefit limit is your available fund that can be used in case you will get hospitalized. You can use this within the accumulation period. But, if you used it even once you will no longer qualify for the long-term care bonus. A long-term care bonus is equivalent to 85% of your total premium (contract price). Take this like a “refund” or a way of “thanking” you for taking care of your health.

For the term insurance and other insurance benefits, it will take effect upon the approval of the insurance component. This will usually take 2 weeks.

Do not be afraid or hesitant to avail of the Annual Physical Examination as well as the dental benefits since it is free and it will not affect your other benefits in the future like the cash value or maturity value.

For the Family Assistance, it is subject to approval since it is just accommodation and not totally considered as a benefit of the plan. If one of your immediate family members needs to be confined, you can request to extend your Kaiser Healthcare Plan.

In order to be able to qualify for Family Assistance. Here are some conditions that you should meet:

The policy should be active and completed at least 1 year of payment.

Immediate family member only.

Avail only to accredited doctors and affiliated hospitals.

Assistance shall only be the extent of the allowable benefits of the policy.

Prior to discharge, payment should already be settled with Kaiser.

Approval of assistance must be first obtained by the member and the issuance of LOA will be given.

2nd PERIOD: Extended Period or The Growth Period (next 13 years)

The extended period or waiting period covers the 8th year to 20th year and during this period, you will no longer pay the premium. Instead, the Kaiser will pay you back through annual health benefits and additional health benefits. Again, the value of annual health benefits and additional health benefits will vary depending on the plan type.

The pre-existing illnesses and dreaded diseases are now covered by your policy unlike during the accumulation period. Both the outpatient and inpatient are also included. But, the annual physical examinations are no longer free. All costs will be deducted from your health fund.

Benefits and Privileges:

1.) Outpatient

2.) Inpatient

3.) Pre-existing illnesses

4.) Dreaded diseases

5.) Maternity

6.) Term Life Insurance (20th year)

7.) Accidental Death and Dismemberment (20th year)

8.) 10% Annual Health Benefit

9.) Additional Health Benefits (Yearly Bonus)

In the extended period, all of the money in your health fund are consumable but limited to healthcare-related expenses and services only. And Kaiser will give you an annual health benefit and yearly health bonus. Let say that for this year, you totally consumed your health fund. In the following year, it will be replenished. But, if you were not able to consume your health fund, it will earn interest.

Bear in mind that the annual health benefit is guaranteed except for the additional health benefits (yearly bonus). The AHB will depend on the actual performance of the investment which is mostly liquid investment like mutual funds.

3rd Period: The Maturity Year/ Long-Term Care Period (20th Year onwards)

The long-term care period covers beyond the 20th year and will end only if you take out all of your money in your health fund. This time, you will receive a free visa card wherein your health fund will be deposited and can be accessed at the same time.

During this period, you can withdraw your funds. You have the option to withdraw your money all at once, withdraw it yearly like a pension or just leave it. As long as there are remaining amount in your health fund, it will continuously earn an interest. When the insurer died, all of the remaining money will be transferred to the beneficiary.

Benefits and Privileges:

1.) Total accumulation of unused health benefits

2.) Long-term care benefit

3.) Long-term care bonus (up to 85% of premium contributed)

4.) Additional Health Benefits (depends on the market)

5.) Good as cash (withdraw all of your money, a portion, invest)

You will get a refund of 85% of the total premium (long-term care bonus) of your plan if you were not able to utilize the Annual Benefit Limit (ABL) during the accumulation period (7-year paying period). Again, if you used it even once, you are no longer qualified for the long-term care bonus. That’s why it is recommended to use the short-term HMO provided by your employer if you have any.

ULTIMATE KAISER HEALTH BUILDER

Pre-Computed Table

Meron kang benefits ng Long term Healthcare na pwede mong magamit khit beyond 100 years old ka na. No traditional HMO will cover you kapag retired ka na, only Kaiser Longterm Healthcare.

Once nag-start ka ng Kaiser, automatic insured ka na ng Term Insurance nito and just in case mawala ang Policy Holder makukuha ng beneficiaries ang Instant Money from the Insurance, Waived na din ang Kaiser Plan, ibig sabihin wala ng iintindihin ang Family. Plus magagamit pa nila yung Health Benefits at makukuha pa nila ang money sa Maturity.

Sa 20th year or sa Maturity makukuha na good as cash ang Investment. Depende sa kukunin na Plan kung magkano ang Maturity nito and option mong kunin ang Fund or Hindi. Kapag ni-retain mo lang ang Funds after the Maturity kumikita pa ito ng average interest rate of 10% per year.