Zane Kong - Financial Educator

26/05/2025

Habang buhay ka na lang ba magtatrabaho?

Usap tayo para malaman mo kung papaano magkaroon ng back-up plan!

02/05/2025

Congratulations 🎉 Maturity benefit

On April 25, 2025, on behalf of Ms. Ma. Elaine Bautista, her representative received a Maturity Benefit Full Withdrawal from Kaiser International Healthgroup Inc., in Omnis Prosperity Tower, Makati. Her journey has been a long and rewarding one, and we are proud to say that she has attained the maximum level of maturity in her healthcare journey.

We are honored to recognize her hard work and dedication, and we wish her all the best in her future endeavors.

Congratulations, Ms. Ma. Elaine Bautista!

11/03/2025

LONG POST HEALTHCARE TALKS 💪

Ayaw ng HMO (Healthcare Maintenance Organization) kasi kumuha na ng VUL (Variable Universal Life) insurance with some riders.
Read to understand, bago kumuha intindihin. Lamang ang may alam.

Client: I don't need HMO because I already have VUL insurance and I am paying the CIB and HIB rider as well.

IMG Educator: That's good to hear maam/sir. But let me share some inputs if it's ok.

>>HMO covers all kinds of illnesses. Every time you get hospitalized for whatever reason, it pays the bill. Recommended.

>>CIB (Critical Illness Benefit) is good because it prepares us for the worst. But you can only use this if your health issue is on the critical illness list. Meaning, you can't claim if it's just a simple migraine or headache. It needs to be a "brain tumor" in order for you to get covered.

>>HIB (Hospital Income Benefit) is also good because it provides daily allowance during the insured's stay in the hospital. Normally around 1,000 or 2,000 per day depending on the premium you're paying. Let's just say you don't have an HMO, only HIB, you've been hospitalized due to severe diarrhea, you stayed in the hospital for 4 days but your bill is 50k because of the antibiotics, room and board, doctor's fees and other fees. HIB only covers 4k or 8k then. How about the remaining 46k? How can it help?

Client: Really? I didn't know that. I didn't read my policy.

IMG Educator: I'm not saying that you terminate your riders. I'm saying you need to understand what are those for. What are the limitations and how to fill those gaps in? No need to choose. Get them all if you can.

This is a concept our organization, IMG, is sharing to the community.

P.S. Sometimes HMO premiums are cheaper than these. (depending on age)

P. S. Kaiser is HMO

Tara usap Tayo! Message me.
https://577369ph.imgcorp.com/quote/kaiser

10/03/2025

Here’s why means Alaga Ka, Kapatid! 💙
Discover the life-changing benefits of having a Kaiser Healthcare Plan—your key to security, peace of mind, and a healthier future! ✨

Start your KAISER Long-term healthcare now!
https://577369ph.imgcorp.com/linkbio

03/03/2025

EXPLAIN NATIN MAIGI PARA MALIWANAG. 🙂

Pitong taon ka lang mag-iipon.
Parang binabayaran mo lang ang sarili mo.
At habang nagbabayad ka, may HMO ka for 7 Years.

May Term
Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.

Ang ganda di ba? KAISER is like no other. HMO po ito ha, hindi Insurance. Magkaiba kase ‘yon!

Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

Scenario 2: Nagkasakit ka at Naospital (Not Pre-existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka.

Healthcard na may Term Insurance at Investment.👌

24/02/2025

Healthcare for everyone!

Let’s modernize and innovate healthcare accesible to all Filipinos out there!

We support HEALPH PARTYLIST #152

20/02/2025

More than 95% of Pinoys retire without longterm care (lifetime health care).
In the past and in the present, anu ang naging "health care" ng maraming Pinoy?
✅ Lupa isanla
✅ Kotse ibenta
✅ Sweldo ng anak
✅ Chip-in 2x / abuloy system
Reality:
Ang common destiny ng marami ay "financial struggle" sa retirement years. .
Good News:
Pwede nating baguhin ang financial destiny mo at ng pamilya mo.
Financial education is the key.
Get the right guidance.
Get into the right community.

13/02/2025

"Alagang Kaiser, Alaga Ka Kapatid" 💙

Join thousands of Filipinos who trust Kaiser HMO for their health and wellness. Let’s explore why Kaiser is the top choice for securing your future and protecting your loved ones by seeing the poster attached below.

Don’t miss this opportunity to invest in your health and peace of mind. Learn more today and get your Kaiser HMO now! ✨
https://577369ph.imgcorp.com/quote/kaiser

07/02/2025

A care plan that evolves as you do! Kaiser Long-Term Care Plan ensures your health and security every step of the way.
Invest in a healthcare plan that grows with you by scanning the QR Code or visiting website: https://kaiserhealthgroup.com/

Start your Long-Term Care Plan now!
https://577369ph.imgcorp.com/quote/kaiser

23/01/2025

USAPANG DEATH BENEFIT FUND

When most memorial plan package don't guarantee availability of service or chapel - this plan provides 24/7 assistance throughout the funeral process and empowers families to make well-thought-out decisions, offering access to all funeral service providers and chapels nationwide.

When most life insurance policy don't offer or cover memorial services and hospital bills, the proceeds of this policy may be paid to your beneficiary or may then be used to pay any remaining or final hospital bills, and other funeral costs or any other burial related expenses.

Peace of Mind and Cost-saving. As an independent consumer advocate, this innovative plan provides peace of mind and confidence when making difficult financial and emotional decisions so families won't be taken advantage of in terms of pricing and all other expenditures.

It's a death benefit, hospital bills payment and memorial/funeral plan combined!

Our Lifetime Protection Plan P500,000 starts at 29 pesos per day (Age 25)*.

Message me for a free quote and discussion.

22/01/2025

Don’t rely on PHILHEALTH. 𝙈𝙖𝙟𝙤𝙧𝙞𝙩𝙮 𝙤𝙛 𝙝𝙤𝙨𝙥𝙞𝙩𝙖𝙡𝙞𝙯𝙖𝙩𝙞𝙤𝙣 𝙘𝙤𝙨𝙩𝙨 𝙬𝙞𝙡𝙡 𝙗𝙚 𝙥𝙖𝙞𝙙 𝙗𝙮 𝙮𝙤𝙪.
𝐖𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐛𝐞𝐭𝐰𝐞𝐞𝐧 𝐒𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦, 𝐋𝐨𝐧𝐠-𝐭𝐞𝐫𝐦, 𝐚𝐧𝐝 𝐒𝐞𝐧𝐢𝐨𝐫 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬.
𝙎𝙃𝙊𝙍𝙏-𝙏𝙀𝙍𝙈 𝙃𝙀𝘼𝙇𝙏𝙃𝘾𝘼𝙍𝙀
Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).
Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.
Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?
𝙇𝙊𝙉𝙂-𝙏𝙀𝙍𝙈 𝙃𝙀𝘼𝙇𝙏𝙃𝘾𝘼𝙍𝙀
Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old).
Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.
Unlike short-term and senior care, a long-term healthcare has an insurance and investment components, 3-in-1 kumbaga.
𝙎𝙀𝙉𝙄𝙊𝙍 𝙃𝙀𝘼𝙇𝙏𝙃𝘾𝘼𝙍𝙀
Ito naman ang yearly healthcare for Seniors age 60 pataas.
Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang maituturing na pinakamahal na healthcare kumpara sa short-term at long-term care.
Mahirap na rin ang approval lalo na kapag meron nang tinatawag na medical history like dreaded disease ang isang senior citizen.
✅️ GET YOUR POLICY NOW!

https://577369ph.imgcorp.com/quote/kaiser