Kaiser/IMG Knowledgebase

17/06/2025

Risk Sharing / Protection

Ang risk sharing / protection ay simple lang.
For a small amount, many will get less in return, but there will be a few who get a lot more.

Halimbawa, sa HMO, maaring lahat mag-bayad ng ₱7k annual.
Marami, less than ₱7k ang makukuhang benefit, pero may ilan na makakakuha ng (for example) ₱75k per illness per year.

Kung may hika, na-aksidente at na-COVID, maaring ₱75k x 3 = ₱225k ang makuhang benefits.

Sa mga nakakuha ng kaunti, they are thankful,
"I paid ₱7k ang got less, but thank you Lord, I am healthy! "

Sa mga nakakuha ng marami, they are grateful too
"Thank you Lord, I paid ₱7k, but received ₱225k in benefits"

Ganoon din sa life insurance, some get less, some get more.
Pero siempre may difference.

Iba naman and dasal:
Ipinagdarasal mo na gamitin ang HMO para sa checkup, doctor consultation.
"Thank you Lord, I can use this HMO!"

Ipinagdarasal mo naman sa life insurance, sana hindi magamit.
"Thank you Lord, I am alive and don't need to claim life insurance."

!

10/06/2025

State College / University / LGUs and other 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 with 500+ members!
✅ Pre-existing & dreaded diseases covered
✅ Eligibility age 18 to 65
✅ Up to ₱75,000 coverage per illness per year
✅ Major hospitals included (St. Luke’s, Makati Med, The Medical City, Cardinal Santos, Asian Medical, etc.)
✅ Preventive, outpatient, inpatient, emergency & dental care
✅ No cash-out during hospitalization
✅ With financial assistance in case of accident or death

🛡️ *Kaiser International HealthGroup – “Your First Name in Healthcare.”

📌 Available through government coops, unions, and associations

📲 Message us now para sa FREE proposal and presentation!

26/05/2025

🎯 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 with 500+ members!

✅ Pre-existing & dreaded diseases covered
✅ Major hospitals included
(St. Luke’s, Makati Med, The Medical City, etc.)
✅ Preventive, outpatient, inpatient, emergency & dental care
✅ 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.

📲 Message us now para sa FREE proposal and presentation!

04/05/2025

Nakakadismaya!
Hanggang kailan natin mararanasan ang ganitong sistema sa healthcare system ng Pilipinas? Hanggang kailan magiging batayan ang kapal ng wallet sa karapatan mong mabuhay?

Deserve ba natin to? Grabee! Panahon na para ayusin ang ganitong sistema..

Vote partylist, ito ang pag-asa natin.

21/04/2025

Mag magandang financial plans kung bagay sa iyong plans.

Mas maganda kung kontrolado mo ang plano.

Mas maganda rin planuhin kasama ng happy healthy at wealthy life!

Kumuha ng retirement plan (plano sa buhay) na may life insurance benefits (plano sa hukay), gaya ng long term healthcare, hindi lang para sa iiyo, kundi para sa iyong pamilya (spouse, kids, partner)

Ang long term healthcare ay life insurance (if you die too soon), healthcare (if you get sick) pero investment (if you live long), kaya covered lahat.

Ang paghahanda sa hukay (memorial plan) ay maganda kung kompleto, hindi lang pang libing, dapat may kasamang pambayad sa final hospital billls at final expenses.

Dapat din pag usapan ang beneficiary. Kung si baby, dapat may trustee. Kung si partner, kaunting additional documentation lang. Kung si spouse, maganda may habilin.

Para sa mga plano sa buhay, mas bagay kausap ang financial planners, hindi insurance salesmen.

IPON.CLUB/kaiser

31/03/2025

Bakit kailangan ng Healthcard?

Kasi mahal magkasakit!

08/03/2025

Mapapasayaw ka talaga sa excitement pag narinig mo ang plans magkaroon ng unlimited healthcard galing sa partylist

https://www.facebook.com/HealPHPartylist/videos/982422226786049

11/02/2025

Kung ikaw ay single ang maganda para sa iyo ay retirement plan like Kaiser long term healthcare, which is optimized for living benefits.

Ang typical insurance ay optimized for death benefits (para sa beneficiaries pag namatay).

Ang long term healthcare ay optimized for retirement (para sa iyo in old age).

Pero in case ma-ospital ka, maaring makuha ang health benefits early.

At kung kunin ka ni Lord ng maaga, may insurance component din at health/investment benefits para sa beneficiary

Contrast with typical insurance with investment na optimized for paying insurance charges till age 100

Review natin sa

https://ipon.club/kaiser/

Ang long term healthcare ay 3-in-1 solution na pre-paid, consumable healthcare. Pre-paid kasi bayad lang ng 7 years, consumable kasi pwedeng gamitin hanggang hindi na-co-consume ang value.

13/01/2025

Kung ikaw ay Gen-X o Gen-Y (millenials), problema mo ang long term care ng iyong parents. Handa ka bang magbayad ng 20 - 40 years ng healthcare nila when they retire?

Ang best solution ay ikuha mo sila ng long term healthcare plan today! Para bayad ka lang bg 7 years, may potentially life time healthcare na sila!

Rising long-term healthcare costs mean many baby boomers are unequipped to support themselves in retirement.