Why Choose Kaiser Health Insurance? (Kaiser Ultimate Health Builder)

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Everyone dreams of achieving financial security, but the real challenge lies in knowing where to begin. Financial planning may seem overwhelming at first, but it all starts with asking yourself two crucial questions:

Q: What if I live too long? Who will take care of me?

For most Filipino employees, healthcare coverage is a standard benefit provided by their employer. It’s a valuable and essential perk that ensures both employees and their dependents have access to short-term healthcare. But what happens when you stop working? When you reach retirement age, will those healthcare benefits still be there for you? While your current healthcare plan covers your needs now, are you truly prepared for the time when you might need it the most? Who will provide for your food, shelter, healthcare, and other basic needs during those years?

Q: What if I die too early? What will happen to my family?

When the breadwinner passes away, the family not only loses a loved one, it also loses a source of income to pay for food, shelter, and basic necessities.

Kaiser International Healthgroup Inc. (The First Name in Healthcare)

Kaiser International Health Group Inc. is registered as a health care provider. Kaiser 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.

Borne out of a noble desire to provide quality health to a wide range of market from the low to mid up to upper class and prepare the aging HMO population for a comfortable life during their elderly years, a group of varied Filipino professionals banded together to fund Kaiser International Health Group Inc. Thus, the company was incorporated and registered with the Securities and Exchange Commission on June 8, 2004 with an authorized capital stock of Php:160M.

Long-Term Care (The Ultimate Kaiser Health Builder)

The Ultimate Kaiser Health Builder Plan is a healthcare plan that allows one to control his own health and provide for his own future.

Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.

• An innovative program, the first of it’s kind in the country;
• Guarantees long-term care even after the age of sixty when the client has only himself to rely on;
• Healthcare coverage, savings, emergency fund, and insurance rolled into one;
• An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first seven (7) years of coverage;
• A portable account! Even if you change or lose jobs, your plan and funds stay with you;
• A four-way insurance coverage:
  1. Term Life
  2. Accidental death and dismemberment
  3. Waiver of installment due to death
  4. Waiver of installment due to permanent and total disability;
• Outpatient benefits, annual physical examinations and dental coverage;
• Coverage is for individuals but can be installed in companies as a health savings salary deduction program;
• No exclusions from 8th year onward;
• Flexible, Upgradeable within 30 days ;
• Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a “Health Savings Account”
• “Health Savings Account” earn interest beyond 20 years.
• Benefits can be used up to any age.
• Payable in 7 years only with fixed rates for the entire paying period;
• Issue age up to 60, but coverability extends after 60; and,
• Reinstatement can be done within 2 years after lapsed policy.

Why Choose Kaiser Ultimate Health Builder?

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.

Kaiser is a HEALTHCARE, INSURANCE, INVESTMENT + EMERGENCY FUND. It’s a 4 in 1 investment vehicle.

Sa Kaiser, puwedeng maging short-term at long-term ang healthcare. Kung nag-avail ka nito at biglang nagkasakit, magagamit mo agad ang mga benepisyo. Paano naman kung hindi mo magamit? Walang problema! Dahil si Kaiser ay may long-term healthcare, kaya ang mga hinulog mo ay hindi masasayang at magagamit mo pa rin para sa mga future needs mo.

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.

Sa ika-20 taon ng iyong plan, makukuha mo ang lump sum amount. May option ka rin na i-retain ito para patuloy pang lumago ang pera mo. Isipin mo, nag-ipon ka lang sa loob ng 7 taon, pero makakakuha ka ng malaking halaga sa maturity period ng iyong saving plan. Para ka na ring may pension na puwede mong kunin buwan-buwan dahil good as cash ang investment na ito.

Accredited Hospitals and Clinics

Kaiser International na sa’yo na ang lahat!

With over 2,000 accredited Hospitals and Clinics Nationwide in the Philippines. Check the updated lists here.

How Much is Kaiser Health Insurance in Philippines!

Meron kang benefits na Long-term Healthcare na pwede mong magamit khit beyond 100 years old ka na. Walang traditional HMO will cover you kapag retired ka na, only Kaiser Long-term Healthcare.

Here’s the table that you can check as per the Plan Type:

Once mag-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.

What is the Best Healthcare Insurance?

When considering the best healthcare insurance, it’s essential to evaluate factors such as growth, safety, tax advantages, and protection. These aspects not only determine the value of an insurance plan but also its potential benefits in the long run. Let’s delve into these elements and explore why the Kaiser Ultimate Health Builder stands out as an excellent choice for healthcare insurance.

1. Growth:

The Kaiser Ultimate Health Builder is not just a healthcare insurance plan; it’s also a savings and investment vehicle. It offers the potential for your money to grow over time through investments in managed funds. Unlike traditional health insurance that provides coverage but no returns on premiums, Kaiser builds up cash value and dividends during the paying period. This growth aspect ensures that the plan serves as both a healthcare fund and a long-term financial asset.

2. Safety:

Kaiser Ultimate Health Builder offers a stable and secure option for healthcare coverage. The plan’s structure is designed to withstand inflation and rising healthcare costs, providing guaranteed healthcare benefits in the future. Moreover, Kaiser is regulated by the Philippine Insurance Commission, Department of Health and Securities and Exchange Commission giving policyholders confidence in the plan’s reliability and security.

3. Tax Advantage:

One of the key benefits of Kaiser Ultimate Health Builder is its tax advantage. The plan’s proceeds, including the maturity benefits and insurance coverage, are generally not subject to income tax in the Philippines. This means that the gains accumulated in the policy can be fully utilized for your healthcare needs or other financial goals without worrying about tax deductions. This advantage maximizes the growth potential of the plan, allowing more value to be retained by the policyholder.

4. Protection:

Kaiser Ultimate Health Builder offers comprehensive protection that goes beyond just healthcare coverage. In addition to providing hospitalization and medical benefits, it includes life insurance coverage. This ensures that your loved ones are financially protected in the event of your untimely passing, with cash benefits available to your beneficiaries. Additionally, the plan provides extended healthcare benefits even beyond the coverage period, securing your health needs well into retirement.

Who Owns Kaiser Philippines?

Kaiser Medical Center Inc. is the medical services arm of the Kaiser International Health Group Inc. Philippines, which is under Omnis Prosperity Group.

Kaiser Health Group Policy Manager

Kaiser Healthcare’s Online Policy Management System provides a convenient way to manage your health insurance policies. With this system, policyholders can easily access their account details, monitor payment history, check coverage status, and view policy documents anytime, anywhere. It allows users to update personal information, make online payments, and even request changes to their coverage plans.

The system is designed to streamline policy management, making it more efficient and user-friendly. It eliminates the need for physical paperwork and long wait times, ensuring a hassle-free experience for policyholders.

Product Comparison

Alarming Health Realities…

1. In 20 years, the elderly will outnumber the youth by a ratio 4:1
2. Aging workforce is the biggest economic challenge over the next decades
3. Heart disease is the number one cause of mortality in the Philippines
4. Medical inflation hits nosebleed levels, 3-4 times economic inflation
5. Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
6. Health conditions in the Philippines remain among the poorest in East Asia
7. More and more people die not because of no doctor or no medicine but because of money