21/09/2023
Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 𝗶𝗻 𝗼𝗻𝗲 𝗽𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘, 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 at 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 ka na.
The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼𝗻 na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.
𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
It’s a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT
3 PHASES OF LONG-TERM CARE PERIOD:
1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder 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.
2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, 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 all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.
3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm 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 and growth continues.
Retain all and let it grow at an average of 10% Yearly.
Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.
This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.
The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.
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