Alarming Health Realities...
- In 20 years, the elderly will outnumber the youth by a ratio 4:1
- Aging workforce is the biggest economic challenge over the next decades
- Heart disease is the number one cause of mortality in the Philippines
- Medical inflation hits nosebleed levels, 3-4 times economic inflation
- Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
- Health conditions in the Philippines remain among the poorest in East Asia
- More and more people die not because of no doctor or no medicine but because of money
Short Term Healthcare TRADITIONAL HMO |
Long Term Healthcare HEALTH SAVINGS ACCOUNT |
|---|---|
| Renewal not guaranteed if with high claims | Renewal is guaranteed |
| Yearly increase of premium | Fixed premiums for 7 years |
| Generally, no insurance coverage some provide insurance, but very low coverage |
With Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:
|
| No accumulation of unused health fund | All unused health fund accumulates with interest |
| No return of premiums (ROP) for non-utilization | With returns of premiums up to the contract price for non-utilization during the paying period |
| Covers only up to age 60 | Covers beyond age 60 with long term care yields * |
| Pre-existing illness is not covered during the 1st year and lifetime / permanent exclusions may be issued on the 2nd year onwards | Pre-existing is not covered during accumulation period. No exclusions after the 7th year of coverage * |
| Inflexible, non-transferable benefit design | Flexible, transferable, and may be redated benefit design |
| Reinstallment is limited only within 30 days of lapsed policy | Reinstallment within 2 years of lapsed policy |
| Access to non-accredited physicians and medical network is not covered | Access to non-accredited physicians and medical network is covered after the 7th year |
| Out-patient medicines and cosmetic treatments not covered | Out-patient medicines and all illness including cosmetic and maternity are covered after the 7th year * |
| Continuous yearly payment terms | Seven (7) years or spot-cash payment options |
| Anxious, worrisome and insecure healthcare status after employment or during retirement years | No worries... |
Kaiser International Health Group Inc.
We are duly accredited with the Department of Health (DOH). Our Company 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.
Kaiser International Health Group Inc. 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.
SINO ANG MGA ELIGIBLE KUMUHA NG
KAISER 3-IN-1?
- 10 years old to 60 years old only.
- Lahat ng Pilipino, even OFWs.
- Even the minimum wage earner, dahil affordable ito.
- Puwede rin sa mga high risk jobs like Police, Firefighters, etc.
- At Kahit pa may mga existing illness na, siguraduhin lang na i-declare ito sa kaiser application form. This is subject for approval. (case to case basis)
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.
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.
SAVINGS & INVESTMENTS
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.
BAKIT NGA BA MAGANDANG KUMUHA NG KAISER 3-IN-1?
Bakit nga ba maganda magkaroon ng Kaiser 3-in-1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner?
1.
✔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.
2.
✔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.
3.
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 3% - 10% rate of returns 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.
4.
✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!
✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?
MAY KAISER LONG-TERM HEALTHCARE KA NA BA?
Do you love yourself and your Family? Kaiser Does!
Protect your future if you live too long and protect your family in case you die too soon. Kaiser can answer our 3 major financial needs.
Please provide your details below if you are ready to discuss.
Your details will be kept privately.
HOW TO START YOUR KAISER SAVINGS PLAN?
OPTION 1 (ONLINE)
Pwede ka mag-enroll ng Kaiser Saving Plan mo through Online Kaiser Application.
Click the link below for instructions.
OPTION 2 (OFFLINE)
Pwede kang magpunta sa aming Financial Center upang mag-fill out ng Kaiser Forms.
Click the link below for instructions.