Kristine Joy and Lovern Segundo
Senior Marketing Director - International Marketing Group
Associate Financial Planner - RFP Institute of the Philippines
Licensed Financial Educator - Insurance Institute for Asia and the Pacific
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OFFICE ADDRESS: Manila Bankers Prosperity Tower
110 Legazpi Street, Legazpi Village, Makati, 1229 Kalakhang Maynila | 4th floor, Room 910
Look for:
Kristine Joy Segundo: 09352659356
Lovern Segundo: 09174828028
We've started saving and investing at the age of 23. Nag-member kami sa IMG dahil sa UNLIMITED FINANCIAL EDUCATION at syempre gusto namin makapag-invest sa Jolibee, SM, at iba pang kumpanya sa STOCK MARKET.
Inumpisahan din namin ang Kaiser long term care namin para sa retirement. Hindi naman forever, kaya natin mag-trabaho at meron tayong healthcare sa kumpaya.
Fully paid na namin ang Kaiser namin at the age of 30 years old.
Ang IMG ay ONE-STOP-SHOP anchored sa FINANCIAL EDUCATION at FINANCIAL APPLICATION. We are committed in educating OFWs, millennials, and everyone who wants to secure their future.
Our mission is to educate 30 MILLION FAMILIES BY THE YEAR 2030!
We will keep your details private.
FOR YOUR REFERENCE, PLEASE TAKE NOTE OF THE FOLLOWING GUIDELINES:
1.
Appointments:
Please call the hospital, the doctor's secretary, or the HMO Department to schedule your visit.
2.
Accredited Physicians:
Contact the HMO Department to verify which accredited physicians are currently accepting Kaiser patients.
3.
Letters of Authorization (LOA):
Once your appointment is confirmed, please contact Kaiser International Healthgroup, Inc. to request your LOA.
4.
Verification:
Please present your Kaiser ID and a valid government-issued ID upon arrival.
5.
Laboratory Requests:
Requests must be issued by an accredited doctor. These procedures can be performed at any Kaiser-accredited clinic or hospital. Please ensure you request an LOA for all laboratory tests and medical procedures.
Kaiser networks (CLINICS and HOSPITALS):
HOW TO CHECK YOUR CERTIFICATE OF MEMBERSHIP (COM)?
COPY AND PASTE THIS LINK: https://kaiserhealthgroup.com/nhs/
Enter the needed data:
- FIRST NAME
- MIDDLE NAME
- LAST NAME
- DATE OF BIRTH
- EMAIL ADDRESS
Then click Search button
CERTIFICATE OF MEMBERSHIP (COM) HOW IT LOOKS LIKE?
HOW TO SCHEDULE APE (ANNUAL PHYSICAL EXAM)?
APE REQUEST PROCEDURE:
Email to: ape@kaiserhealthgroup.com
Check Kaiser's network here: https://kaiserhealthgroup.com/map/index.htmlThis is to inform you that the process to secure an APE is as follows: the patient must first inquire at their preferred CLINIC regarding their APE and set an appointment. Once you have an appointment, you may request an LOA through this email. Kindly provide the following details:
- Name:
- Policy Number:
- Clinic Name:
- Age:
- Gender:
- Preferred Date:
- Birthdate:
APE REQUEST - MINIMUM OF 5 EMPLOYEES PER REQUEST
USE THE LIVE CHAT AT KAISER WEBSITE FOR FOLLOW UP!
CLICK TO CALL FACILITY: https://kaiserhealthgroup.com/forms/click2call.php
DENTAL SCHEDULING:
Please be informed that for dental scheduling, you need to call the clinic first to book an appointment.
Kindly inform them that your provider is Dental Network and your HMO is Kaiser so they can coordinate with Dental Network for approval.
Once your request is approved, the clinic will notify you, and only then should you proceed to the clinic.
[Name] Dental Network
[Mobile] +639167615277
Check the Kaiser networks here:
https://kaiserhealthgroup.com/map/index.html
Dental Network Company:
IN-PATIENT AVAILMENT PROCESS
OUT-PATIENT AVAILMENT PROCESS
EMERGENCY AVAILMENT PROCESS
MEMBER SUPPORT CENTER
https://kaiserhealthgroup.com/support/member/
Call us directly for immediate assistance
Smart Numbers:
09681470079
09681446620
09681446614
09681446160
09688773460
09688726396
09989591088
09989730188
09688648267
09688544334
09688931558
Globe Numbers:
09171550662
09171291682
09171557026
09171551560
09175641598
09175641498
09175642398
09171546362
Sun Numbers:
09253029888
09253039888
09253037888
HOSPITAL SUPPORT CENTER
https://kaiserhealthgroup.com/support/hospital/
Call us directly for immediate assistance
Smart Numbers:
09681470079
09681446620
09681446614
09681446160
09688773460
09688726396
09989591088
09989730188
09688648267
09688544334
09688931558
Globe Numbers:
09171550662
09171291682
09171557026
09171551560
09175641598
09175641498
09175642398
09171546362
Sun Numbers:
09253029888
09253039888
09253037888
🎯 Gov’t Employees: Gamitin ang ₱7,000 Medical Allowance nang Tama!
Alam mo bang pwede mong gamitin ang ₱7,000 annual medical allowance (EO 64 s.2024) para sa HMO-type benefits?
Introducing 👉 Kaiser National HealthCare Shield — ang pinaka-responsive na HMO plan for government groups
🛡️ KAISER NATIONAL HEALTHCARE SHIELD
Now available for all government personnel! 💼🏥
✅ Open to ALL employees of NGAs, SUCs, and GOCCs — regular, casual, contractual, full-time or part-time!
✅ No minimum number of members needed (as long as the whole agency enrolls)
✅ Must have an authorized signatory
✅ Subject to underwriting approval
✅ Aligned with DBM Budget Circular #2024-6 (Effective December 12, 2024)
✅ No cash-out during hospitalization
✅ Up to ₱75,000 coverage per illness per year
✅ With financial assistance in case of accident or death
🛡️ Kaiser International HealthGroup – “Your First Name in Healthcare.”
📌 Available through government coops, unions, and associations.
📌 Secure your health today. Ask us how your agency can enroll!
📲 Message us now para sa FREE proposal and presentation!
WHO ARE ELIGIBLE?
1.
Government personnel in the National Government Agencies (NGAs), including SUCs, and GOCCs regardless of appointment status whether regular, casual, or contractual; appointive or elective, and on full-time or part-time basis.
2.
Must have an authorized or designated signatory of a government agency.
3.
No minimum number of members required provided the entire agency/department will enroll.
4.
All government institutions must enroll to avoid anti-selection.
5.
ll government members will be subject to Underwriting Guidelines and approval.
In compliance with the budget circular #2024-6 issued December 12, 2024 by the Department of Budget and Management
Our Five-Point HealthCard Program
Package of Annual Physical Examination (APE) at Kaiser Designated Clinics. (For Principals only)
- a. Complete Blood Count
- b. Urinalysis (Urine examination)
- c. Fecalysis (Stool examination)
- d. Chest X-Ray
- e. Electrocardiogram (adults age 40 and above, or if prescribed)
- f. Pap Smear (Women age 40 and above, or if prescribed)
No deposit upon admission (for surgical cases, please contact Kaiser)
| Room and Board | According to plan package |
|---|---|
| Operating room and Recovery room | Maximum Benefit Limit |
| Administered medicines | Maximum Benefit Limit |
| X-ray and laboratory examinations | Maximum Benefit Limit |
| Salists like anaesthesiologists, internists, surgeons, etc. | BASED ON KAISER ACCREDITED UNITS |
| Services and medications for general/spinal anaesthesia or other forms of anaesthesia necessary for a surgical procedure | Maximum Benefit Limit |
| Intravenous fluids and transfusion of fresh whole blood | Maximum Benefit Limit |
| ICU confinements | Maximum Benefit Limit |
Maximum Benefit Limit (MBL) – the maximum amount payable per illness per member per year; inclusive of consultations, diagnostic procedures, and hospitalization
In the event that the assured member suffers illness or injury not requiring confinement in a hospital, Kaiser shall provide:
- Referral to specialists
- Regular consultations and treatment (except prescribed medicines)
- Laboratory and X-Ray examinations
- Treatment of minor injuries and surgery not requiring confinement
- Eye, ear, nose and throat treatment
- Once a month pre and natal consultationt
During an emergency case, a member who is in a critical condition caused by an illness or injury, the following benefits are:
- a. Physician ’s services
- b. Medicines utilized during treatment or for immediate relief
- c. Casts, dressings and sutures
- d. Oxygen and intravenous fluids
- e. X-ray, laboratory and other diagnostic examinations directly related to the emergency management of the patient
The Member shall be entitled to dental services administered by an accredited service provider. The dental benefits shall cover the following services:
- a. Consultation and Dental Examinations
- b. Dental Nutrition and Dietary Counselling
- c. Dental Health Education
- d. Restorative and Prosthodontic planning
- e. Simple tooth extractions
- f. Temporary filling-unlimited (as needed)
- g. Annual prophylaxis (mild cases only)
- h. Simple tooth Adjustment of Dentures
- i. Recementation of loose crowns, in-lays and on-lays
- j. Permanent filling up to 2 surfaces only
KAISER INTERNATIONAL HEALTHGROUP INC. agrees to give/provide, in the event of death or injuries through natural causes or accidental means, the heirs and/or assigns of any member who is enrolled in this health care program. Provided that the death or injury results from:
| COVERAGE | CATEGORY |
|---|---|
| 10,000.00 | Natural Death |
| 20,000.00 | Accidental Death |
| 10,000.00 | Loss of Both Hands |
| 10,000.00 | Loss of Both Feet |
| 10,000.00 | Loss of Both Sight |
| 10,000.00 | Loss of One Hand and One Foot |
| 10,000.00 | Loss of One Hand and One Sight |
| 10,000.00 | Loss of One Foot and One Sight |
| 5,000.00 | Loss of One Hand or One Foot |
| 5,000.00 | Loss of Sight of One Eye |
Should an accredited physician / specialist prescribe or require any of the following and / or procedures, these limits will apply; per procedure per member per year.
| Dialysis | Maximum Benefit Limit |
| Chemotherapy | Maximum Benefit Limit |
| Radiotherapy | Maximum Benefit Limit |
| Laparoscopic Surgery (including Hospital bill and professional fee) | 50,000/member/year |
| Lithotripsy | 50,000/member/year |
| Angiography (e.g.coronary,cerebral,retinal, pulmonary, GI, etc) | P5,000.00 |
| Myelogram | P5,000.00 |
| Electromyography, Nerve Conduction Velocity Studies | P5,000.00 |
| Pulmonary Perfusion Scan | P5,000.00 |
| Tests involving use of Nuclear Technologies (e.g. Radionuclide Ventriculography/ Thallium stress testing/ Radionuclide/ Thyroid scan, etc.), Nuclear technologies such as Pyrophosphate, Scintigraphy, Positron Emission Tomography, Radio Isotope Scanning, etc.) | P5,000.00 |
| 24-Hour Holter Monitoring, 2-D Echo and Doppler | P5,000.00 |
| Treadmill Stress Test | P5,000.00 |
| Bone densitometry scan (Dexascan) | P5,000.00 |
| Orthopedic Arthroscopy | P5,000.00 |
| Endoscopy including one of video | P5,000.00 |
| Adrecortical Function (e.g. Primary Aldosteronism, Cushings Disease) | P5,000.00 |
| Plasma/Urinary Cortisol, Plasma Aldosterone, etc. | P5,000.00 |
| Mammography(breast cancer) and Sonomammogram | P5,000.00 |
| Laboratory/ancillary services for conditions whose pathogenesis or subsequent clinical improvement not yet fully established in Medical Science | P5,000.00 |
| Anti-nuclear antibody (ANA), C-Reactive protein (Rheumatic and its complications), Lupus cell exam | P5,000.00 |
| New modalities and/or diagnostic and treatment procedures for conditions with established etiologies and its use is only as alternative to the conventional methods | P5,000.00 |
| Radioactive Iodine Therapy | P5,000.00 |
| Genetic/Immunologic studies | P5,000.00 |
| Active immunization for dog bites, venom, anti- tetanus | P10,000.00 |
| Congenital Illness | P10,000.00 |
| Physical Therapy | Up to 10 sessions |
II. TERMS
PRE-EXISTING CONDITION
All pre-existing conditions shall be deemed covered by KAISER.
PHILHEALTH
This is a PhilHealth integrated Health Plan. All members are required to have PhilHealth Coverage. Those without PhilHealth membership or those who do not claim PhilHealth benefits when hospitalized (in-patient/out-patient) shall pay the PhilHealth benefit portion.
ELIGIBILITY
The PRINCIPAL is at least 18 years old up to age 65.
EFFECTIVITY DATE: Effective date for GROUP/CORPORATE ACCOUNT, unless specifically provided within the corporate healthcare agreement, is based on the following:
| DATE OF RECEIPT OF APPLICATION/ | ENROLLMENT EFFECTIVITY DATE |
|---|---|
| 11 TO 25 OF THE MONTH | 1st OF THE FOLLOWING MONTH |
| 26 TO 10 OF THE MONTH | 16th OF THE FOLLOWING MONTH |
III: RATES
MAJOR HOSPITALS
- MMC Makati Medical Center
- CSMC Cardinal Santos Medical Center
- SLMC Saint Luke Medical Center
- AHMC Asian Hospital Medical Center
- TMC The Medical City
- Cebu Doctors Hospital
- Chong Hua Hospital
- UC Medical Hospital
KAISER HEALTHCARD CORPORATE RATES
| Plan includes Major Hospitals | Annual | Benefit Limit |
|---|---|---|
| SEMI PRIVATE up to HEALTH 800 | Php 7,000 | Php 75,000 |
Effective rates as of 02.01.2025 . The Company reserves the exclusive right to change, update and revise prices at any given time.
Our Clientele
SC Procures Healthcare Plan from Kaiser
Chief Justice Alexander G. Gesmundo (center) leads the Supreme Court in signing the first-ever Comprehensive Health Care Plan for the Judiciary on July 2, 2024, at the Supreme Court Session Hall. With the Chief Justice are (first row, from left) Ms. Doris Almanzor from Manila Bankers Assurance; Dr. Leah Uy-Yolo, President of Kaiser International Health Group, Inc.; Associate Justice Mario V. Lopez; Clerk of Court En Banc Atty. Marife M. Lomibao-Cuevas; Deputy Clerk of Court and Chief Administrative Officer Atty. Maria Carina A. Matammu-Cunanan; Deputy Clerk of Court and Fiscal Management and Budget Office Chief Atty. Marilyn I. De Joya; (second row, from left) and Associate Justices Henri Jean Paul B. Inting and Jhosep Y. Lopez.
Source:
SC Procures Comprehensive Healthcare Plan for Entire Judiciary
Article on the Official Supreme Court Website, courtesy of the Supreme Court Public Information Office
https://sc.judiciary.gov.ph/sc-procures-comprehensive-healthcare-plan-for-entire-judiciary/
Cagayan State Procures Group HMO from Kaiser!
CSU released the medical allowance following DBM Budget Circular No. 06, s. 2024, and Section 7 of Executive Order No. 64, s. 2024.
The initiative was made possible through the collaborative efforts of CSU’s faculty and administrative personnel associations, together with the Technical Working Group. Signing on behalf of the university were UFA President Prof. Ricardo B. Casuay, and APA President Ms. Monaliza B. Guzman, while Dr. Leah Uy-Yulo, President and Medical Director, represented Kaiser International Health Group Inc.
CSU EMPLOYEES NOW COVERED BY HMO MEDICAL PACKAGE
Cagayan State University (CSU), led by University President Dr. Arthur G. Ibañez, has officially released the medical allowance for all qualified permanent, casual, and temporary employees.
As part of its implementation, a Memorandum of Agreement (MOA) was formally signed between the university associations and Kaiser International Health Group Inc.
Through this partnership, CSU secured a Health Maintenance Organization (HMO) benefit package from Kaiser International, providing a maximum benefit limit of ₱75,000 per illness, including coverage for pre-existing conditions. The package also includes annual physical examinations, in-patient and out-patient services, emergency care, and dental care, accessible through Kaiser-accredited facilities nationwide, including major hospitals in Metro Manila. The benefits are valid for one year, from June 2, 2025, to June 1, 2026.
CSU is the first government agency in the region to release a medical allowance following DBM Budget Circular No. 06, s. 2024, and to issue internal guidelines aligned with Section 7 of Executive Order No. 64, s. 2024.
Source:
CSU EMPLOYEES NOW COVERED BY HMO MEDICAL PACKAGE
DAVAO DE ORO STATE COLLEGE EMPLOYEES NOW COVERED BY HMO MEDICAL PACKAGE
Davao de Oro State College, through its DDOSC Employees Association (DDOSCEA), formally inked a Memorandum of Agreement (MOA) with Kaiser International Healthgroup, Inc. on July 4, 2025, at the DDOSC Board Room.
Representing the two institutions, the MOA was signed by DDOSCEA President, Dr. Gloryjean C. Altamera, and Kaiser President and Medical Director, Dr. Leah Uy-Yolo.
This partnership is in line with Malacañang's Executive Order No. 64 s. 2024, which allocates government civilian personnel medical allowance as a subsidy for availing benefits from health maintenance organizations (HMO) services, granting an amount not exceeding 7,000 pesos per annum for each qualified personnel.
With this agreement, Kaiser is now the official HMO service provider of DDOSCEA and its members, offering a range of healthcare benefits, including dental, medical, and emergency care services.
Joining Dr. Altamera in representing DDOSCEA were Ms. Reah C. Niog, Human Resource Management Unit Head; Ms. Rotchil G. Piastro, CPA, Accounting Unit Head; and Ms. Leizel P. Tagra, Cashiering Unit Head.
References:
Executive Order 64 s. 2024 - https://pco.gov.ph/wp-content/uploads/2024/04/20240802-EO-64-FRM.pdf
Updating theSalary Schedule for Civilian Government Personnel and authorizing the grant of an additional allowance and for other purposes
DBM Circular 6 s. 2024 - https://www.dbm.gov.ph/index.php?view=article&id=3135:budget-circular-no-2024-6&catid=348
Rules and Regulations on the Grant of Medical Allowance to Civilian Government Personnel
Dep Ed Order 16 s. 2025 - https://www.deped.gov.ph/2025/06/10/june-9-2025-do-016-s-2025-guidelines-on-the-grant-of-medical-allowance-to-the-department-of-education-personnel/
Guidelines on the Grant of Medical Allowance to the Department of Education Personnel
DEATH CLAIM REQUIREMENTS:
DEATH CLAIM REQUIREMENTS:
1. CERTIFICATE OF ATTENDING PHYSICIAN
2. CERTIFICATE OF CLAIMANT
3. DEATH CERTIFICATE – original or certified true copy
4. BIRTH CERTIFICATE OF THE INSURED – original or certified true copy
5. MARRIAGE CONTRACT OF THE INSURED (if applicable) – original or certified true copy
6. BIRTH CERTIFICATE OF THE CLAIMANT – original or certified true copy
7. COMPLETE MEDICAL RECORDS FROM ANY HOSPITALS/CLINICS THAT THE
INSURED HAVE CONSULTED PRIOR TO HIS/HER DEATH - original or certified true copy
8. MEDICAL CERTIFICATE FROM ATTENDING PHYSICIAN - original or certified true copy
9. Any valid ID’s of the INSURED MEMBER and CLAIMANT
ADDITIONAL REQUIREMENTS FOR ACCIDENTAL DEATH:
1)POLICE REPORT
2)AUTOPSY REPORT
send it here:
liaison.supervisor@kaiserhealthgroup.net
underwriting_shortterm@kaiserhealthgroup.com
underwriting.supervisor@kaiserhealthgroup.com
liason.supervisor@kaiserhealthgroup.net
liaison_claims@kaiserhealthgroup.com
REIMBURSEMENT CLAIM REQUEST:
1. Original receipt and invoice -OR
2. Duly accomplished reimbursement form
3. Photocopy of Medical certificate / clinical abstract.
4. Photocopy of records of operation ( if with procedure)
5. Photocopy of summarized statement of account.
6. Photocopy of itemized statement of account or charge slip
7. Short narrative reason of reimbursement
send it here:
liaison.supervisor@kaiserhealthgroup.net
underwriting_shortterm@kaiserhealthgroup.com
underwriting.supervisor@kaiserhealthgroup.com
liason.supervisor@kaiserhealthgroup.net
liaison_claims@kaiserhealthgroup.com
HOSPITAL ACCREDITATION:
Greetings from Kaiser!
provider@kaiserhealthgroup.com
Please see below list of requirements for accreditation:
* *Hospital Name:*
* *Address:*
*Requirements for Hospital Accreditation:*
* Letter of Intent
* Company Profile
* DOH Certification
* Philhealth (if applicable)
* Business Permit
* List of services, rates, and packages
* List of Doctors (Umbrella Type) in an Excel file, including: Full names, Specialization, Clinic schedule, Clinic contact number/mobile number, TIN Number for accounting purposes and certifications. Also, indicate in a column if PCP, PCS, POGS, and PPS Member
* Doctors, Pathologist, and Radiologist Certificates
* BIR Certificate of Registration
* Scanned Copy of Valid ID of Signatory
* Name of Signatory & Designation
* Witness Name & Designation
* Name of Contact Person
* Contact Number & Mobile Number
* HMO Contact Person
* HMO Contact Number & Mobile Number
* Business Hospital Hours: Day/Time
* Business Clinic Hours: Day/Time
Please be advised that all submitted requirements are for our review and approval, and there is no guarantee of accreditation.
Kindly acknowledge receipt of this email.
Thank you and have a nice day.
Sincerely,
Nancy F. Palabrica
Senior Provider Associate
Kaiser International Healthgroup, Inc.
G/F, OMNIS Prosperity Tower, 377 Sen. Gil Puyat Avenue, Makati City
Tel. No.: 8811-1878
DENTAL ACCREDITATION:
Ito na po yung mga requirements natin for the accreditation po.
You can forward this to the Dental clinic so they can submit their requirements personally.
Kindly email a Letter of Intent addressed to the following:
jana.lumugdan@dnc.com.ph
Dr. Joey F. Dolendo
Internal Affairs Coordinator
Dental Network Company
Please indicate in your letter of intent
a. Dentist Name
b. Clinic Name
c. Clinic address
d. Landline and mobile number(s)
e. Clinic schedule
f. Current HMO / dental provider affiliations
Kindly email scanned copies of the ff.
Current PRC License
Form 2303 (BIR)
DTI Registration
Please note that this request is subject to evaluation. Once we have reviewed the submission, we will be in touch with the next steps.
Other ways to get in touch:
ADDRESS
OFFICE ADDRESS: Manila Bankers Prosperity Tower
110 Legazpi Street, Legazpi Village, Makati, 1229 Kalakhang Maynila | 4th floor, Room 910
PHONE/ VIBER/ WHATSAPP
Kristine Joy: 09352659356
Lovern: 09174828028
kristinejoysegundo@outlook.com