Bakit mahalagang paghandaan ang Healthcare?
Madalas nating naririnig ang mga katagang HEALTH IS WEALTH. Minsan di natin ito pinaniniwalaan lalo na kung bata pa tayo at maayos pa ang kalusugan.
Karaniwang dinadahilan ng tao na "di ko kailangan ng healthcare, di naman ako magkakasakit."
Pwede naman tayong mag-healthy living ngunit minsan nagkakaroon ng medical emergencies o kaya naman pagtanda natin kahit di tayo magkasakit mas kailangan natin ang regular check ups o kaya maintenance meds.
Ano nga bang mga dahilan bakit kailangan nating paghandaan ang healthcare?
- Medical cost doubles every 5-7 years. A lot of sick people die not because of no medicines but because of no money.
- Majority of Filipinos don't save money for future healthcare needs. Most people rely on their children, sell properties or borrow money for their medical needs.
- Hindi natin madadala ang ating healthcare benefits sa kumpnanya kapag tayo ay nag-resign o kaya nag-retiro.
- Bihira o kaya naman walang traditional healthcare company na nagco-cover ng may edad 61 and up.
- Ang pagkakasakit ay kadalasang nagre-resulta sa personal bankuptcy.
LONG-TERM CARE | HMO | SENIOR CARE
Long-term Health Care: KAISER ULTIMATE HEALTH BUILDER
Kaiser Ultimate Health Builder comes with a 3-way coverage plan: healthcare, insurance and investment. It has a fixed premium program for seven years. Renewal is guaranteed and all unused health fund accumulates with interest. It could cover beyond age 60 with long-term care growth.
Kaiser Ultimate Health Builder Provides Complete Solution to your Three Major Financial Needs
HEALTHCARE
Provides you healthcare when you retire or when you stop working. Takes care of you when you stop working.
INSURANCE
Protects your family if you die too soon---life insurance can help you replace your income, help finance your children's education, pay estate tax and pay debts.
Life insurance is instant money.
INVESTMENT
Generates continuous income for you when you retire.
Money is working for you.
Free Kaiser Proposal
KAISER Ultimate Health Builder Benefits
Long-Term Care
A guaranteed benefit which you can use after 20 years for whatever sickness you have or you can also use it at age 70 onwards.
Yearly Health Benefits
A 10% yearly accumulation based on the long-term care benefit starting at the end of 7th year up to the 20th year.
Long-Term Care Bonus
If no claims were made during the accumulation period, 85% of premiums paid will be given back at the end of the 20th year making it COST FREE!
Money-Back Benefit
Return of premiums for non-utilization on maturity.
Accumulation of Unused Yearly Benefits and Bonus
All unused yearly health benefits and yearly health bonus accumulate with interest.
Term Life Insurance Coverage
If the policy owner dies during the paying and accumulation period, the beneficiary will receive an amount equal to the sum of Long-term Care Benefit and Long-term Care Bonus.
Accidental Death and Dismemberment
If the policy owner dies due to an accident or suffers from dismemberment and is below the age of 70 during the paying and accumulation period policyholder or the beneficiary will receive an additional of 100% of the Long-Term Care Bonus.
Waiver of Installment Due to Death/Credit Life
If the policy owner dies during the accumulation period, the balance of premiums is waived, rendering the plan fully paid.
Waiver of Installment and Premiums Due to Total and Permanent Disability
If the policy owner becomes totally and permanently disabled for a period of at least six months (not exceeding the maximum age of 70 years old during the accumulation period), all the succeeding payments will be waived.
KAISER APPLICATION PROCESS
Step 1: FINANCIAL CHECK UP
First of firsts is to find out where are we at financially so that we can figure out how can we reach our goals.
Step 2: PROPOSAL
Quotation can be self-generated through the link at the bottom of this section or I can also have it prepared for you by providing your full name, birthday and email.
Step 3: DISCUSSION
After going through the proposal details and after watching my Kaiser video we can discuss online preferably through Zoom or Google Meet your clarifications, concerns, questions, among others.
Step 4: FILL OUT APPLICATION E-FORM
A link will be sent to your email to fill out the application form online.
Step 5: PAYMENT
After accomplishing the e-form you will be prompted to choose from various payment channels including bank deposit, online transfer, Bancnet, PayPal, bills payment, etc. Please upload the proof of payment to the link provided.
Step 6: RELEASE OF E-POLICY
Usually two weeks after submission of application and payment, you will receive an email providing the link and log-in details to access your Kaiser Online Policy Manager.
You can generate here a quotation for various plan types according to your budget and goal!
KAISER SHORT-TERM HEALTHCARE (HMO)
Five-Point Health Card Program
1. Preventive Healthcare
2. In-Patient Care
3. Out-Patient Care
4. Dental Care
5. Emergency Care
Medical Healthcare Plan for Seniors (61-100 years old)
KAISER SENIOR CARE
- Reimbursement of actual hospitalization expenses based on coverage.
- Member to shoulder the first P10,000 from the total bill plus an additional 10% of the claimable amount. The remaining 90% of the claimable amount shall be shouldered by Kaiser.
- Comprehensive range of medical healthcare benefits with a maximum coverage limit of up to P1,000,000.
IMG MEMBER'S HEALTH BENEFITS
I want to avail free healthcare benefits for IMG members!
