30/12/2025
You can apply for a Quick HMO... instant meron agad!
You can get cheap premium of only 1K or 2K!
You can get seemingly Higher Coverage but its ABL (Annual Benefit Limit)!
You can receive faster call response with other HMO Companies!
BUT with Kaiser, it takes a bit of time to process for 7K Flat Rate but its just enough for your 75K Per illness Coverage per Year coz it MBL or Maximum Benefit Limit.
MBL (Maximum Benefit Limit) and ABL (Annual Benefit Limit) are types of health insurance caps, but they function differently: MBL sets a limit per illness/disease (e.g., Php 100k for Dengue, Php 50k for Flu) within the year, refreshing for each new ailment, making it great for managing multiple issues. In contrast, ABL is a single, overall total spending cap for all covered services (consultations, diagnostics, hospital) within the year, which depletes with usage and only resets upon renewal, often seen in more comprehensive plans but can run out faster.
Kaiser provided more than 10 Numbers to Call as Hotlines coz they have So Many Clients calling and using Kaiser including the Supreme Court, Court of Appeals, BIR, DENR, Department of Justice, DepED etc.
Though Real HMO like Kaiser, Principal Owners can just walk in to any Accredited Hospitals or Clinics of more than 2,000 and more than 12,000 Accredited Doctors... and Pay Nothing within the Maximum Benefit Limit PER ILLNESS, Still, Kaiser provided a System to Process Email requests in ADVANCE a LOA - Letter of Appointment except in Emergencies for Smooth Medical Service Experience.
