16/01/2021
Having a Kaiser Long-term healthcare is better than having Life Insurance(that has health insurance feature) product alone. Though having both is best.
Here are the top 5 reasons why:
1. IT COVERS YOU WAY BEYOND RETIREMENT YEARS - Most HMOs & Life insurance products limit their health coverage between 65-80 years old, some cover up to 100 years old. Kaiser Long-Term Care can cover even beyond 100 years old.
2. IT WORKS JUST LIKE YOUR COMPANY HEALTHCARE - Life Insurance is a reimbursement type program, you can never present your Life Insurance policy during admission or when settling your hospitalization bill. You have to pay the hospital first then file necessary documents for reimbursement. With Kaiser Long-Term care it is just like the usual company HMOs. It settles everything (other than personal miscellaneous) after deducting the PhilHealth benefits. It uses its Kaiser rates that was agreed upon by Kaiser International Healthgroup Inc. and the accredited hospital, making you spend less than paying in cash.
3. PEACE OF MIND - Every Filipino fears about getting hospitalized because having less/no cash available on hand. Most of us borrow money somewhere else expecting to pay interests in the future. If you only have Life Insurance, though you can get reimbursement to pay back your lender you will still shell out money out from your pocket. Remember the insurance provider will only reimburse what the hospital billed to you and it does not include the interests you incur from borrowing it. Since Kaiser long-term care is like a company HMO you no longer need to borrow money from somewhere else. It is really a peace of mind.
4. PROGRESSIVE COVERAGE OVER TIME - In Life Insurance its health benefits are fix and limited. The program's health benefits now may not be enough to cover hospitalization expenses 30 years or 40 years from now, forcing us to shell more money out from our pocket again. The Kaiser long term care program makes your contributions and unused healthcare benefits grow over the period of time(ave. 10%) giving you more hospitalization coverage when we need it in the future.
5. WELL MANAGED FUND - To ensure sustainability and security of all Kaiser Long Term care plan holders' contributions, its fund are invested in a long term investment vehicle. Kaiser International Healthgroup Inc. owns 80% of the youngest Mutual Fund company in Philippines financial market which is Soldivo Funds. Rampver Financials owns the remaining 20% and also the sole fund manager for Soldivo Funds. Soldivo Funds was able to grow their assets to more than 200% in 2015, one year after it was launched.
Possessing both programs give you more secure financial future for you and your love ones. Just always make sure that they are both active to avoid problems in the future.
Kaiser International Healthgroup Inc. is the 1st in Philippines that provides the best comprehensive long term healthcare coverage to take care your future health expenses.
Don't hesitate to send me a personal message to know more about the program.
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