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.
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 3-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).
WATCH this video Learn HOW Kaiser Long-Term Healthcare works.
IN KAISER LONG-TERM CARE
You can build
a SOLID FINANCIAL FOUNDATION.
ILANG TAON KA NA?
WHO IS ELIGIBLE TO GET KAISER LONG TERM CARE?
FOR AGES 10-40 YEARS OLD
- Minimum is 2,647 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 50,000 per year
- Life Protection of 202,500 - 405,000
- And Investment of 524,776 which is good as cash sa Maturity (at the 20th year)
FOR AGES 41-50 YEARS OLD
- Minimum is 3,529 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 50,000 per year
- Life Protection of 270,000 - 540,000
- And Investment of 699,701 which is good as cash sa Maturity (at the 20th year)
FOR AGES 51-60 YEARS OLD
- Minimum is 4,412 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 60,000 per year
- Life Protection of 337,500 - 675,000
- And Investment of 874,626 which is good as cash sa Maturity (at the 20th year)
KAISER PRE-COMPUTED TABLE
I Want to Create a Kaiser Proposal
MGA BENEPISYO
HEALTHCARE
Magagamit mo after one year ka na nakabayad or yearly ang binayad. At nag i increase ang healthcare benefits depende sa plan mo once fully paid
TERM LIFE INSURANCE
Minimum 205,500 ang benepisyo ng pamilya the moment na nakapagbayad ka you are covered kahit nasa abroad ka pa. Subject to contestability period.
ACCIDENTAL DEATH BENEFITS
Doble ang matatanggap na benefits ng beneficiary once accident ang kinamatay ni Planholder the moment na ang policy nya ay na approved na.
TRANSFERABLE
Once namatay si planholder lahat ng benefits ay ma transfer kay primary beneficiary during and after paying period.
RETIREMENT SAVINGS
Kumpletong package na eto kapag ikaw ay nagretiro. May savings ka na, Health Insurance at Investment pang kasama.
ONLINE ACCESS
Hassle free na. Dahil lahat ay ma access mo sa sarili mong portal or account. Maging sa pagbabayad.
LONG TERM CARE BONUS
85%
nang binayad mo ay babalik sayo pagdating ng maturity once hindi mo nagamit during paying period 411,750 (PLAN K100) = 350,000 (85%)
BENEPISYO HABANG NAGBABAYAD
1.
Free Dental Health Benefits once a year.
2.
Minimum 50,000 pesos a year magagamit sa ospital depende sa plan na kinuha.
3.
Free Annual Physical Examination sa Kaiser medical Center or accredited clinic at Ospital sa inyong lugar.
4.
202,500 pesos minimum TERM LIFE INSURANCE
5.
202,500 pesos minimum ACCIDENTAL DEATH BENEFITS
BENEPISYO MATAPOS MABAYARAN
1.
Pre existing illness ay covered na kahit malala pa.
2.
Term Life and Accidental benefits ay still covered hanggang maturity.
3.
May 10% yearly healthcare hospital benefits limit na or interest.
4.
Any related to Maternity ay covered.
5.
May additional 6% yearly healthcare benefit din subject for provisions depende sa takbo ng market.
6.
85% may long term care bonus ka. kung di mo ginamit ang kaiser habang nagbabayad ka pa.
OPTIONS MO PAG NAG MATURE NA
3 SETTLEMENT OPTIONS MO
1. AYAW MO E WIDRAW PARA TULOY TULOY ANG BENEPISYO AT TUBO
2. KALAHATI LANG E WIDRAW MO AT ANG NATIRA AY BENEPISYO AT STILL MAY TUBO
3. WIDRAW ALL THE AMOUNT. THEN LAHAT NG BENEFITS MO AY WALA NA.
PAG MALAKI PLAN MO MALAKI ANG BENEPISYO NA MATATANGGAP AT MAKUKUHA MO
SAMPLE KAISER PLAN AND COMPUTATION
SAMPLE:
AT AGE : 40
KAISER PLAN: K-100
MONTHLY: 5,882
YEARLY: 58,882
AT AGE: 47
FULLY PAID
AT AGE: 60
KAISER MATURE
TOTAL MATURITY AMOUNT: 1, 166,168
KAISER MAY SARILING MEDICAL CENTERS
KUNG MAY ACCREDITED HOSPITALS, CLINICS, DENTISTS AND DOCTORS SA INYONG LUGAR
Kung walang accredited hospitals and clinics sa inyong lugar. Kaiser will shoulder 85% of your medical expenses.
NAGSIMULA NOONG JUNE 2004
REGISTERED SA INSURANCE COMMISSION
KAISER AY ISANG
HMO COMPANY DULY ACCREDITED NG DOH BUREAU OF HEALTH FACILITIES SERVICES
SEC REGISTRATION
SEC Registration Number: CS200408739
Company Name: KAISER INTERNATIONAL HEALTHGROUP INC.
MEMBER OF PAHMOC - PHILIPPINE ASSOCIATION OF HEALTH MAINTENANCE ORGANIZATION COMPANIES
HMO MEMBERS - KAISER INTERNATIONAL HEALTHGROUP INC.
SINO ANG NAG-APPLY SA KAISER?
MGA PANGHAHAWAKAN MO
EDUCATE YOURSELF
HINDI MO KAILANGAN NG INSURANCE
KUNG PALAGAY MO HINDI KA
MAGKAKASAKIT
HOW TO START YOUR KAISER SAVINGS PLAN?
ONLINE REGISTRATION
Pwede ka mag-enroll ng Kaiser Saving Plan mo through Online Kaiser Application.
Click the link below for instructions.