Ultimate Kaiser Health Builder Plan

Ito ang healthcare plan ko, KAISER!!

Maraming nag tatanong kong ano daw ang pinaka recommended na healthcare provider sa Philippines. The Filipino Investment Guide is actually recommending a LONG-TERM HEALTHCARE that does not only stand as healthcare rather a COMPLETE RETIREMENT PACKAGE or that supports a COMPLETE FINANCIAL PLAN.

Sa Pilipinas isa lang ang pwedeng ma e recommend sa market - its the Kaiser Long-Term Healthcare. Its a 3 in 1 investment na may components of (1) Healthcare, (2) lifetime investment and (3) life insurance.

How Does Kaiser Long-Term Healthcare Work?

⚠️It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos: investment, life insurance and long-term healthcare.

⚠️This long-term care product is called the Kaiser Ultimate Health Builder. How does it work?

⚠️The long-term care program has 3 phases: the accumulation period, extended period, and the start of long-term care period (maturity).

⭐️1. Accumulation Period (7years)
This is the part where the plan holder is made to save for 7 years.

At this period, the plan holder gets to have the following benefits:

✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan)

⭐️2. Extended Period (13years)
Since it is also an investment product, the funds have an extended period or what we call growing and waiting period as the funds are allowed to be invested and grow at an average rate of 10% yearly.

💪🏻The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.

The benefits in this period include:

☝🏻- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.

☝🏻- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)

☝🏻- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)

☝🏻- Lifetime Network access to over 500 major hospitals

☝🏻- Additional Health Bonus when the market is at top performance

☝🏻- Receives the VISA card after full contribution from the accumulation period

⭐️3. Long-term Care Period (beyond 20years)
Upon maturity, the plan holder will receive the following benefits:

☝🏻- Total accumulation of unused health benefits

☝🏻- Long term care benefit or the plan coverage

☝🏻- Long term care bonus (up to 85% of return on premium contributed when there are no claims e.g. hospitalization during the accumulation period rendering the plan almost cost-free)

☝🏻Additional health benefits when the market is at top performance

💰All the above benefits will be good as cash. The plan holder now has the option to withdraw all the money, or take half of it or, let it accumulate until retirement years continuing to grow at an average rate of 10% per year.

💰Upon age 60 or 65, the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lumped sum retirement fund.

💡The beauty of Kaiser long-term care program is that when a person gets sick, it is a health fund, but if not, it becomes your savings.

💡Unlike the traditional healthcare where the person contributes per year, and when he doesn’t get sick, no return of premium is available.

💡The Kaiser long term plan covers beyond age 60 and above basing on the health funds accumulated in your account until age 100.

Message me for assistance!

Somebody asked:
"Upon maturity 85% of the total premium ang maibabalik po sa atin. Paano yung 15%, saan daw napunta?"

Let us take the example of K100. The annual premium for K100 is P58,821, so the 7 year total is P411,747.

If no hospitalization claims were made during the first 7 years, then on the 20th year, 85% of P411,747 or P350,000 will be given to the planholder as "Long Term Care Bonus."

This P350,000 is just one of the components of the projected maximum value on maturity. What are these components?

Total accumulated unused health benefits: P269,750
Long Term Care Benefit: P100,000
Long Term Care Bonus: P350,000
Total Accumulated Additional Health Benefits: 446,419.
Total: P1,116,169

P1,116,169 is roughly 283% of total premiums.
P350,000 is 85% of total premiums.
Saan nagpunta ang 15%?

I do not know exactly how the computations go, but this 85% (P350k) return of premiums is only 30% of the total maximum projected value (P1,116,69)

Maybe the 15% is returned as the Long Term Care Benefit, which is about 24% of total premiums, so 85% + 24% = 109%.

Meaning bumalik na lahat ng premiums, may extra 9% pa, ddon pa lang sa Long term care benefit at long term care bonus, kaya all other benefits are effectively FREE.

Kaya after 20 years
-- the total accumulated unused health benefits (with interest) totalling P269,740 is FREE
-- the total accumulated additional health benefits (with interest) totalling P446,419 is FREE.

And if the Lord takes you home early within 20 years?
Your family gets P450k (or P900k if accidental), or about 109% (or 218%) of all premiums paid, and still get the maturity value on the 20th year!

So how do we explain this?
The 85% just complicates the explanation, and gives rise to strange questions like where did the 15% go?

Maybe we should explain it like this:
-- we will pay Kaiser a maximum of 7 years of premiums.
-- the insurance coverage is about 109% of 7 years of annual premiums, double if by accidental death.
-- on maturity, we get 236% to 286% of all premiums paid, depending on mode of payment.
-- if the Lord takes us home within 20 years, our beneficiary gets the proceeds of insurance (109%) PLUS the plan (less insurance, or 236-283%)

Maski anong mangyari panalo!

Is this better or more confusing?

A registered financial planner at CERTA - Family Estate Planning & Investment Advisory, referring to Kaiser Ultimate, expressed doubts about Kaiser guarantees

And I replied
----

For the Kaiser Ultimate Health Builder, there are guaranteed components and non-guaranteed projected components.

For example. in the K100 plan. The term life insurance of P450k for 20 years is guaranteed with ADDD and waiver of premium on death or total and permanent disability riders. Further, if no hospitalization benefits was claimed during the first 7 years, this P450k is given to the member, at the end of 20 years. Contrast this with standard life insurance where insured receives this at age 100.

For example, if covered member is hospitalized every year for the first 7 years, he can get up to P420,000 in hospitalization benefits. Guaranteed.

For example, after the first 7 years, covered member can use all his health benefits for critical illness.
Guaranteed.

If member uses all his health benefits from years 8-20, at the end of 20 years, he gets the P450k equivalent of the life insurance coverage. Guaranteed.

If member uses all his health benefits from years 8-20, AND uses his hospitalization benefits during the first 7 years, he gets P100k long term care benefit. Guaranteed.

At any given year. The cash value of the plan increases and never goes down. Guaranteed.

At any time, the plan can be transferred to any other person guaranteed.

The payment term for the Kaiser Ultimate is 7 years, no more, no less. Fully paid Kaiser is fully paid. Paying member will never be asked to make additional payments. Guaranteed.

The Kaiser solution is healthcare if one needs healthcare.
It is life insurance if the Lord takes one home early, and the beneficiary inherits the proceeds of life insurance AND a fully paid plan without life insurance ( meaning beneficiary gets life insurance plus all the healthcare benefits of the plan).

And if none of these bad things (health problems, death, disablement, dismemberment) happen member gets the sum of all unused health benefits ( with variable interest ), and the equivalent of the life insurance at the end of 20 years.
Guaranteed.

To claim that Kaiser does not have guaranteed returns is unfair, right?

I am a big fan of life insurance and believe that the best life insurance solutions are provided by life insurance companies. But not all life insurance solutions are created equal. Not all financial advisors and educators are created equal.

Kaiser Ultimate is NOT the best life insurance solution.
It is THE best long term heathcare solution, with great life insurance and growth in value features.

A long-term healthcare solution is simply not comparable to a life insurance solution. But if you insist on comparing and belittling a product you do not understand, perhaps you could compare the guarantees point by point to whatever it is you think is a better solution, to Kaiser Ultimate?
----

Kung ang pag papachek up ngayun 500 na, medical needs ay mahal na.. How.much pag tanda mo? magkano na kaya? Tapos ayaw mo pang kumuha kasi akala mo expenses lang..
Get you Kaiser plan now.. Para Peace of mind ka pagtanda mo at hindi ka maging burden sa mga anak mo.. ang mga larawang ito ay pagpapatunay lang na napakahirap magkasakit.. eh kung papanu pagtanda mo wala ka pang health card at ang anak mo may familya na din..gusto mo bang ma problema financial or gusto mo peace mind?

Kung ang pag papachek up ngayun 500 na, medical needs ay mahal na.. How.much pag tanda mo? magkano na kaya? Tapos ayaw mo pang kumuha kasi akala mo expenses lang..
Get you Kaiser plan now.. Para Peace of mind ka pagtanda mo at hindi ka maging burden sa mga anak mo.. ang mga larawang ito ay pagpapatunay lang na napakahirap magkasakit.. eh kung papanu pagtanda mo wala ka pang health card at ang anak mo may familya na din..gusto mo bang ma problema financial or gusto mo peace mind?

Sad Story:

Nagshare ako noon ng tungkol sa kahalagahan ng Healthcare, pero nagcomment sya na di nya daw kailangan nito. Kasi daw Healthy sya sa mga ginagamit nyang Health Supplement. Kaya nga maski sya nagbebenta nito.

Ano ang Sad Story dun? Naaksidente po sya at wala syang pampa-Ospital ngayon.

Ano ang aral dito. Yes maaring healthy ang mga binibenta at ginagamit mo. Pero hindi porket Healthy ang katawan mo, hindi mo na kakailanganin ang Healthcare

Kaiser International Healthgroup FAQ
Part 1. Some public sources for information regarding Kaiser.

1. Who are the customers who trust Kaiser International Healthgroup.

Among many other customers. our congressment and staff enjoy healthcare by Kaiser International.

For the nth year ( I don't know how many ), Kaiser International Healthgroup is the designated health care provider for the employees of our Philippine congress in 2017.

I greyed the portion for some contact information of the designated contact person assigned to Congress.
But the official telephone numbers are visible

See original document in the Congress Official website:http://congress.gov.ph/download/docs/healthprovider2017.pdf

2. What partner hospitals and clinics are accredited by Kaiser International.
See accredited list of hospitals AND clinics at the Kaiser website

http://www.kaiserhealthgroup.com/

3. What support numbers can Kaiser members call for assistance?
See official, updated list of support numbers at

http://www.kaiserhealthgroup.com/

4. Is Kaiser a legitimate HMO?
Kaisern International Healthgroup is accredited by the Insurance commission as an HMO.

It is.one of the charter members of the Philippines Association of HMO Companies.

http://www.pahmoc.org/kaiser.html

congress.gov.ph

Kaiser Ultimate Health Builder FAQ

Why do we call Ultimate Kaiser a level 1 investment, and why do we think this should be the first investment?

The rationale behind Kaiser Ultimate Health Builder is simple.

Buy it when you are young and healthy and able to pay, because it is something you know you will use when you are old, or sickly or no longer able to pay.

Suppose you get an Ultimate Kaiser Health Builder Plan K-45.
This means you contracted to pay P2,647 premium every month for seven years. In a nutshell, this is what you get:
-- term insurance for 20 years for P202,500, with ADD
-- waiver of premium in case of death during the paying period
-- health protection for at least 20 years
-- cash maturity value of approx P525k after 20 years.

What does this mean?

What if you die too soon?

If you pass away, after making a few installments:
-- Your policy gets fully paid ( waiver of premium )
-- Your beneficiary could claim PHP 202k for natural death, or PHP 405k for accidental death
-- Your beneficiary inherits the policy and could enjoy the health benefits, or claim up to PHP525k (a little less, because beneficiary already claimed insurance benefits) on policy maturity 20 years later
-- Total benefits up to PHP 930k.

If you become totally disabled after a few installments:
-- Your policy gets fully paid ( waiver of premium )
-- You get up to PHP 202,500 as insurance proceeds.
-- You could enjoy the health benefits, or claim up to PHP525k on policy maturity 20 years later
-- Total benefits up to PHP 727k.

What if you always get sick?

-- You can avail of up to P50k per year in hospitalization expenses for the first seven years ( excluding pre-existing illnesses and dreaded disease, and net of PhilHealth )
-- You can use whatever is the balance in your health savings account, for the 8th to 20th year. ( for any purpose, including pre-existing, dreaded disease, medical consultation, medical procedures and medication)

If your plan is a K45, paying monthly premiums, a single P50k hospitalization is more than 18 months of premiums.

What if you live healthy and live too long?

-- You could enjoy the health benefits, or claim up to PHP525k on policy maturity 20 years later (for smallest K-45 plan),
-- You could keep your money with Kaiser, and it will earn 7-10% per annum. If you started at 20 years old, your plan could be worth up to P3.5MM by age 60. By that time, assuming 10% growth, you could even use the 10% ( P3.5M x 10% = P350,000 per year, or close to P30,000 per month) to augment your monthly income.

Why is this considered complete protection?
You invest your money in financial vehicles for three reasons:
-- protect your health to ensure you have provisions for unexpected medical expenses, so that you continue to be productive and in income-earning condition
-- protect your family with life insurance if the Lord takes you home early
-- protect your future with a health fund that grows ( and never shrinks in value except through withdrawal or use of benefits) in value.

-- In the first 7 years it is a hospital plan with free annual physical exam and free dental benefits.
-- In the next 13 years, it is a healthcare fund for hospitalization and outpatient care.
-- For 20 years it is life insurance protection.
-- Starting on the 8th year its fund value grows at 7-10% every year.
-- Upon maturity after 20 years, it becomes fully withdrawable, or used as emergency fund, or as a standby medical fund, or a pension fund.

Unlike plain insurance, which is normally a provision for you to leave money to your beneficiaries when you pass away, Kaiser Ultimate is something you can use for yourself, when you get sick, or in your old age.

Unlike plain insurance, Kaiser Ultimate is transferable, has zero charges and guaranteed not to decrease in value (except through withdrawal/use) after the 7-year accumulation period.

Walang talo!!!

·
Hindi kaya mas lalong lumala ang iyong sakit kung ganito ang magiging eksena kapag ikaw ay nagkasakit at naadmit sa public hospital kasi umaasa kalang sa tulong sayo ng gobyerno through your PhilHealth membership.

Start to save and invest for your future Healthcare Protection lodi mas masarap at presko sa pakiramdam yung kahit nasa hospital ka eh! para kalang naka staycation sa hotel kasi afford mo sa private hospital magpagamot ng walang inaalala kasi may healthcare ka na umaalalay sayo kahit wala kang trabaho.

Kung ikaw ay nasa 10-40 years old pwede kanang makapag simula for as low as Php2,647 a month at ang maganda dito hindi lang siya basta healthcare dahil may benefits pa itong Life Insurance at Investment na kumikita ng may projected growth of returns ng 7% to 10% every year....

Q: What is the point of buying a health plan if it does not cover pre-existing medical conditions? These are the ones we need to get covered. Probability of other illnesses is very low anyway.
A: Even though the health plan will not cover pre-existing conditions, it will cover other conditions that are not pre-existing or unrelated to pre-existing conditions. HMOs work on a risk basis, the lower the probability of paying the
claims, the less premium is charged. The higher the probability (generally in case of elders), the higher the premium charged. When the HMOs know for sure that they will have to pay claims after the person buys the
plan, they do not want to cover those conditions because that is a clear loss of money known in advance. The reason HMOs charge something like P7-8,000/year and provide P75,000 coverage is all because the probability of the HMO having to pay P8,000.00 to you is less. You may be worried about the pre-existing conditions. However, you never know what may happen in the future. And you are covering yourself against the unexpected. A person may contract any new health problem such as a weather change, allergies in a new place, change of food, cold, fever, flu, diarrhea, pneumonia, food poisoning, getting hit by a car, falling in the rain, or any other small or big health problems like a urinary tract infection, heart attack for reasons not related to pre-existing conditions. Therefore, it is very advisable to buy health plans.

Kaiser covers pre-existing conditions after 12 months of continuous membership.

KAISER is the healthcare provider of
Department of Agrarian Reform.

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner.

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.
✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!
✔In case of emergency, pwede magamit as family assistance.
✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

• Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta healthy ay qualified po for this program?
• If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.
Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance +
Investment) as early as you can, "mas daig ng maagap ang
masipag"

Para sa klaro at kumpletong detalye, pm lang o comment sa post na ito about your inquiry. 🙂

PS: Maari din makakakuha ng Kaiser Senior Care ang isang Senior Citizen na age 61-100 years old gaya ng nakikita po natin sa picture.



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