16/12/2025
Ito ang healthcare plan ko, KAISER!!
Maraming nag tatanong kong ano daw ang pinaka recommended na healthcare provider sa Philippines. The Filipino Investment Guide is actually recommending a LONG-TERM HEALTHCARE that does not only stand as healthcare rather a COMPLETE RETIREMENT PACKAGE or that supports a COMPLETE FINANCIAL PLAN.
Sa Pilipinas isa lang ang pwedeng ma e recommend sa market - its the Kaiser Long-Term Healthcare. Its a 3 in 1 investment na may components of (1) Healthcare, (2) lifetime investment and (3) life insurance.
How Does Kaiser Long-Term Healthcare Work?
โ ๏ธItโs a 3-in-1 product that solves the 3 major financial needs of Filipinos: investment, life insurance and long-term healthcare.
โ ๏ธThis long-term care product is called the Kaiser Ultimate Health Builder. How does it work?
โ ๏ธThe long-term care program has 3 phases: the accumulation period, extended period, and the start of long-term care period (maturity).
โญ๏ธ1. Accumulation Period (7years)
This is the part where the plan holder is made to save for 7 years.
At this period, the plan holder gets to have the following benefits:
โ๏ธ- Free Annual Physical Exam
โ๏ธ- Free Dental Benefits
โ๏ธ- Waiver of Installment due to death
โ๏ธ- Waiver of Installment due to disability
โ๏ธ- Basic Medical Benefits
โ๏ธ- Memberโs choice of room and board
โ๏ธ- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan)
โญ๏ธ2. Extended Period (13years)
Since it is also an investment product, the funds have an extended period or what we call growing and waiting period as the funds are allowed to be invested and grow at an average rate of 10% yearly.
๐ช๐ปThe plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.
The benefits in this period include:
โ๐ป- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.
โ๐ป- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
โ๐ป- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
โ๐ป- Lifetime Network access to over 500 major hospitals
โ๐ป- Additional Health Bonus when the market is at top performance
โ๐ป- Receives the VISA card after full contribution from the accumulation period
โญ๏ธ3. Long-term Care Period (beyond 20 years)
Upon maturity, the plan holder will receive the following benefits:
โ๐ป- Total accumulation of unused health benefits
โ๐ป- Long term care benefit or the plan coverage
โ๐ป- Long term care bonus (up to 85% of return on premium contributed when there are no claims e.g. hospitalization during the accumulation period rendering the plan almost cost-free)
โ๐ปAdditional health benefits when the market is at top performance
๐ฐAll the above benefits will be good as cash. The plan holder now has the option to withdraw all the money, or take half of it or, let it accumulate until retirement years continuing to grow at an average rate of 10% per year.
๐ฐUpon age 60 or 65, the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lumped sum retirement fund.
๐กThe beauty of Kaiser long-term care program is that when a person gets sick, it is a health fund, but if not, it becomes your savings.
๐กUnlike the traditional healthcare where the person contributes per year, and when he doesnโt get sick, no return of premium is available.
๐กThe Kaiser long term plan covers beyond age 60 and above basing on the health funds accumulated in your account until age 100.
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