13/03/2026
Why chose Kaiser Long-term Healthcare?
Kaiser Long-term Healthcare (LTC), offered by Kaiser International Healthgroup, Inc. in the Philippines, is a unique three-in-one financial product that combines healthcare coverage, life insurance, and investment/savings features into a single, comprehensive plan. It is specifically designed to address healthcare needs during retirement years, unlike traditional short-term HMOs which often stop coverage when an individual retires or changes jobs.
๐Key Features of Kaiser Long-term Healthcare
The plan generally operates in three distinct phases:
1. Saving/Paying Period (Years 1 to 7)
During this phase, the plan holder makes regular payments (premiums) for seven years.
Benefits enjoyed: Members receive basic medical and dental benefits, an annual physical examination, and life insurance coverage.
No pre-existing condition coverage: Pre-existing medical conditions are typically not covered during this initial period.
Waiver of installment: In case of the plan holder's death or total permanent disability, future installments are waived, and the plan becomes fully paid.
2. Compounding/Accumulation Period (Years 8 to 20)
After the 7-year paying period, payments stop, and the accumulated health funds (plus dividends) are invested in mutual funds and continue to grow.
Growing funds: The money earns interest (projected at an average rate of 10% per annum, with a guaranteed minimum).
Expanded coverage: Medical benefits continue, and payment for medical expenses is taken from the growing fund. After the 7th year of coverage, all illnesses, including pre-existing conditions, are covered.
3. Maturity/Long-Term Care Period (Year 20 onwards)
Upon the plan's maturity at the end of the 20th year, the member can access the total accumulated value.
Options upon maturity: The plan holder can withdraw the entire amount as cash, withdraw a portion, or leave the funds invested to continue growing for future lifetime healthcare needs.
Long-term care bonus: If no in-patient hospitalization benefits were utilized during the first seven years, the member may receive a significant bonus (up to 85% of total premiums paid).
Lifetime access: The member has lifetime access to Kaiser's network of hospitals and doctors as long as funds are available in their account.
In Summary
Kaiser Long-term Healthcare acts as a forced savings mechanism for future medical expenses and retirement, offering protection through a blend of an HMO (Health Maintenance Organization), life insurance, and investment. It ensures that individuals have a dedicated, growing fund for healthcare in old age, a time when traditional HMO coverage typically ends.
Message me
ใviralใทfypใทใviral
