28/08/2020
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?
β οΈItβs a 3-in-1 product that solves the 3 major financial needs of Filipinos: investment, life insurance and long-term healthcare.
β οΈThis long-term care product is called the Kaiser Ultimate Health Builder. How does it work?
β οΈThe long-term care program has 3 phases: the accumulation period, extended period, and the start of long-term care period (maturity).
βοΈ1. 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:
βοΈ- Free Annual Physical Exam
βοΈ- Free Dental Benefits
βοΈ- Waiver of Installment due to death
βοΈ- Waiver of Installment due to disability
βοΈ- Basic Medical Benefits
βοΈ- Memberβs choice of room and board
βοΈ- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan)
βοΈ2. 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.
πͺπ»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:
βπ»- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.
βπ»- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
βπ»- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
βπ»- Lifetime Network access to over 1000 major hospitals
βπ»- Additional Health Bonus when the market is at top performance
βπ»- Receives the VISA card after full contribution from the accumulation period
βοΈ3. Long-term Care Period (beyond 20 years)
Upon maturity, the plan holder will receive the following benefits:
βπ»- Total accumulation of unused health benefits
βπ»- Long term care benefit or the plan coverage
βπ»- 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)
βπ»Additional health benefits when the market is at top performance
π°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.
π°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.
π‘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.
π‘Unlike the traditional healthcare where the person contributes per year, and when he doesnβt get sick, no return of premium is available.
π‘The Kaiser long term plan covers beyond age 60 and above basing on the health funds accumulated in your account until age 100.
Pwede mo rin pindutin itong link para sa Kaiser Quote..
DM is the key
