28/10/2025
START saving for your OWN PERMANENT HEALTHCARE PLAN that will give you peace of mind for the rest of your life!
KAISER ULTIMATE HEALTH BUILDER is all that you need. This is the only long-term HMO plan that provides you a complete financial solution. In fact, this long-term healthcare plan is the most recommended OFW RETIREMENT PACKAGE.
Anong meron kay KAISER:
👉short term hospital benefits if you need it now.
👉 long term hospital benefits care if you need it later on.
👉 life insurance as income replacement for your family left behind.
👉retirement fund/money growth since all premiums are invested in mutual funds; accumulated dividends thru compound interest for you to enjoy.
👉 who can avail? 10-60yrs old.
𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
1. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔) - this is your paying period for 7 years. You start saving while getting the following benefits:
✅ Free Annual Physical Exam
✅Free Dental Benefits
✅Waiver of Installment due to death
✅ Transfer of investment to beneficiary if plan holder dies
✅Waiver of Installment due to disability
✅ Basic Medical Benefits
✅ Member’s choice of room and board
✅ Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✅Life insurance equivalent to contract price
✅ Accidental Death and Dismemberment for 20 years
✅ Lifetime network access to over 500 major hospitals and pool of doctors.
2. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔) - as a savings program, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest.
Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
✅ Same as the accumulation period but hospital coverage will be deducted from your health fund.
✅ 10% compounding interest based on the guaranteed health benefit value
✅Additional health bonus when the market is at top performance (higher than 6% per annum).
✅ All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.
Upon maturity, the plan holder will receive the following benefits:
✅Total accumulation of un-used health funds
✅Guaranteed long-term care benefit or the plan coverage
✅ Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✅Additional health benefits when the market is at top performance
✅Receives visa card where the funds are deposited
Options upon maturity:
👌withdraw all the money
👌withdraw a portion/interest only, growth continues
👌 retain all and let it grow at an average of 10% yearly
Alam mo ba?
✅ Ang libreng HMO health benefit ng kompanya mo ngayon ay hindi mo madadala sa pagtanda mo. Habangbuhay kabang magiging empleyado? Sigurado ka bang hindi magsasara ang kompanya mo? Huwag makampante sa mga libre.
✅ Kahit may life insurance ka ngayon na may kasamang health rider, hindi mo magagamit ang policy document mo para ipresenta upon admission. Dalawang tanong lang ang maririnig mo: may HMO ka ba or pera pang-downpayment mo?
✅Healthcare insurance is a privilege. Hindi lahat qualified, esp kng ikaw ay matanda na. It's a product you can't buy when you need it most. Hindi yan tulad ng pagkain na pwede mong bilhin kong gutom ka na.
May pang ospital pag nagkasakit ka.
May pamana ka, incase mamatay ka.
May pangretiro ka pa
