To a better Future

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.

= ⚕️ KAISER 3-IN-1 SAVING PLAN =
(Healthcare, Life insurance &b Investment)
- 7 years of saving/investing only.

1️⃣ KAISER HEALTHCARE:
***Kung biglang nagkasakit, magagamit mo ang healthcare benefits (short-term). Kung hindi mo nagamit, hindi siya masasayang kasi magagamit mo siya for future needs (long-term)

2️⃣ LIFE INSURANCE:
***Sa traditional HMO, kapag sinabing healthcare ay Pure Healthcare lang. Sa KAISER, may Life Insurance coverage din that will protect your family.
***In case of DEATH or total and permanent DISABILITY (of the policy holder), waived na ang kaiser plan. Wala ng iintindihin ang Family. Magagamit ng beneficiary ang Health Benefits at makukuha pa ang money sa Maturity.

3️⃣ INVESTMENT:
***Kung healthy ka in 7 yrs na nagbabayad ng plan at hindi mo nagamit ang healthcare coverage, bibigyan ka ni kaiser ng *BONUS after maturity. Makukuha mo ang lump sum ng iyong plan. Depende sa kukunin mong plan kung magkano at option mong kunin ang Fund o Hindi. Kapag ni-retain mo ang Funds after Maturity kikita ito ng 6-10% per year.

⚠️Imagine? Nag-save ka lang ng 7 years may makukuha kang malaking halaga sa Maturity Period. Para ka ring may pension na pwede mong eh withdraw buwan-buwan dahil good as cash itong investment mo.

⚠️Ang KAISER SAVING PLAN ay 20 years plan, meaning 7 years lang mag-iinvest and 13 years of waiting for the Maturity. I know matagal siya, peru ilang taon ka nang empleyado at ang ngdaan mong mga sahod ay hindi mo na makita.

↘️Dito, meron kang benefits ng Long term Healthcare na pwede mong magamit kahit beyond 100 years old ka na. No traditional HMO will do this, only Kaiser will. Once nag-start ka ng Kaiser, automatic insured ka na ng Term Insurance.

➕ For ages 10-40 years old
Minimum is 2,647 per month
FREE Annual Physical Exam
FREE Dental (Linis, Bunot & Pasta)
Hospitalization Benefits of 50,000 per year
Life Protection of 202,500 - 405,000
And Investment of 524,776 which is good as cash sa Maturity (at the 20th year)

➕ 41-50 years old
Minimum is 3,529 per month
FREE Annual Physical Exam
FREE Dental (Linis, Bunot & Pasta)
Hospitalization Benefits of 50,000 per year
Life Protection of 270,000 - 540,000
And Investment of 699,701 which is good as cash sa Maturity (at the 20th year)

➕ 51-60 years old
Minimum is 4,412 per month
FREE Annual Physical Exam
FREE Dental (Linis, Bunot & Pasta)
Hospitalization Benefits of 60,000 per year
Life Protection of 337,500 - 675,000
And Investment of 874,626 which is good as cash sa Maturity (at the 20th year)