ALAM MO BA?
...na ang kakulangan sa Healthcare ang isang malaking rason kaya nalulubog sa utang ang isang pamilya?!
Unfortunately...
• nare-Realize lang ng karamihan na napaka-IMPORTANTE ng Healthcare kapag may sakit na, nasa hospital na, o nag-retire na.
• Medical costs double every 5 to 7 years.
• Maraming doctor at maraming gamot, pero bakit namamatay ang pasyente? Madalas, dahil WALANG PERANG pampagamot!
There are 3 Kinds of Healthcare
Short-term healthcare, Long-term healthcare, and Senior Care.
Product Comparison
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... |
START YOUR KAISER NOW! DO YOU WANT MORE DETAILS?
Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and financial investment.
Short-term Healthcare
Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).
Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.
Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.
Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?
Senior Care
Ito naman ang yearly healthcare for Seniors age 60 pataas.
Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare.
Long-term Healthcare
Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old).
Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.
The KAISER Long-Term Healthcare is a 4-in-1 product.
Life Insurance
Covered tayo with Life and Accidental Insurance for 20 years, in case of untimely death.
In case the insured passes away during the paying period of 7 years:
1) The remaining installments will be waived.
2) The beneficiaries will receive the insurance proceeds.
3) At malilipat kay Beneficiary #1 ang policy. Siya na ang bagong owner of the plan. Wala na siyang babayaran. All investment and healthcare benefits, siya na ang makakagamit at makakakuha.
Healthcare
SHORT-TERM + LONG-TERM HEALTHCARE.
Kung magkasakit tayo NGAYON o pagdating ng ating SENIOR Citizenship, pwede nating gamitin ang Kaiser in all accredited clinics and hospitals nationwide.
Investment
Ito lang ang Healthcare Plan na nire-Reward tayo kung hindi tayo nagkakasakit. The Healthier we are, the Better because the More our INVESTMENT GROWS.
Once our plan matures at the end of 20th year, pwede natin i-withdraw, o iwanan lang ang pera para tuloy-tuloy lumago for our Long-term healthcare needs, or source of Retirement Fund (Passive Income).
You can build a SOLID FINANCIAL FOUNDATION.
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?
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)
FIRST PHASE: ACCUMULATION PERIOD OR THE PAYING PERIOD (FIRST 7 YEARS)
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:
1. 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.
2. Benefit of free Dental Check-up and the following;
- Unlimited Dental Check Ups
- Unlimited Simple tooth extraction
- Once A year Free Dental Prophylaxis
- Recementation of jacket, crowns, inlays, on lays and
- Minor adjustment of Dentures
3. Term life Insurance (up to age 75) with accidental death and dismemberment riders.
4. In-Patient benefits in accredited hospitals except for pre-existing conditions and dreaded diseases, up to plan annual benefit limit.
5. Waiver of installment/ Premium due to death/ total and permanent disability.
SECOND PHASE: EXTENDED PERIOD OR THE GROWTH PERIOD (NEXT 13 YEARS)
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 will have a starting cash value that you can also use for your medical expenses. The money is invested in government and corporate bonds, which are expected to yield 3% - 10% compound per year.
Comparison to other providers: during this period, the Kaiser plan is still there for your short-term healthcare needs. The money is still growing at this stage and it is at this period when the Kaiser plan starts to step-up and be more competitive with the other healthcare providers.
Term life Insurance (up to age 75) with accidental death and dismemberment riders.
Accumulation of unused Health Benefits at 3%-10%
In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.
Accumulation of unused Health Bonus at 3-10%
THIRD PHASE: THE MATURITY YEAR/ LONG-TERM CARE PERIOD (20TH YEAR ONWARDS)
At the plan’s maturity at 20th year, several bonuses will be awarded like the Long-term care benefit and bonus, plus about 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.
Comparison to other providers: 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.
START YOUR KAISER NOW! DO YOU WANT MORE DETAILS?
KAISER PRE-COMPUTED TABLE
HOW TO START YOUR KAISER SAVINGS PLAN?
OPTION # 1
Pwede ka mag-enroll ng Kaiser Saving Plan mo through Online Kaiser Application.
Click the link below for instructions.