ALAM MO BA?

...na ang kakulangan sa Healthcare ang isang malaking rason kaya nalulubog sa utang ang isang pamilya?!

Unfortunately...

• nare-Realize lang ng karamihan na napaka-IMPORTANTE ng Healthcare kapag may sakit na, nasa hospital na, o nag-retire na.

• Medical costs double every 5 to 7 years.


• Maraming doctor at maraming gamot, pero bakit namamatay ang pasyente? Madalas, dahil WALANG PERANG pampagamot!

There are 3 Kinds of Healthcare

Short-term Healthcare

Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).

Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.

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?

Senior Care

Ito naman ang yearly healthcare for Seniors age 60 pataas. 

Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare. 

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.

TRADITIONAL HMO vs. HEALTH SAVINGS ACCOUNT

3 Major Financial needs to build a Solid Financial Foundation

Healthcare, Life Insurance, and Invesment

What if you live too long? Sino ang magaalaga sa atin pag tayo ay nagkasakit? paano kung hindi sapat ang ipon mo? at hindi ka kayang alagaan ng pamilya mo dahil nasanay sila na ikaw ang sinasandalan, that is the time you need HEALTHCARE. 

Now, alam naman natin nat tayo ay hihinto sa pagtratrabaho, kanino ba tayo aasa pagtanda natin? nagtrabaho ba tayo at nagsakripisyo ng ilang taon para lang maging pabigat sa pamilya mo at sa mga anak mo? hindi ba, hindi. kaya kailangan mo ng INVESTMENT.

What if you die too soon? sino magaalaga sa pamilya mo? if may mangyari sa atin na hindi inaasahan. paano na ang mga umaasa sa atin at sino na ang magaalaga sa pamilya natin? kaya naman kailangan din talaga natin magkaroon ng LIFE INSURANCE so that our family can still live the life nung buhay pa tayo.

We have two options in our life. 

Ano ba ang gusto natin mangyari?

Karamihan sa atin ang pipiliin ang mabuhay ng mahaba, ngunit madalas wala naman tayong Healthcare at inaasa natin ito sa PhilHealth at sa ating mga anak.

Majority sa ating mga Pilipino ang inuuna natin ay ating paglilibingan pero nakalimutan natin na bago tayo mamatay dadaan muna tayo sa hospital at sa mga gamutan na alam naman natin na napakamahal pero hindi pa din natin ito pinaghahandaan. That is why it is very important to prepare for our long term healthcare

HEALTHCARE

Ang mga traditional HMO ay short-term lang. Magbabayad ka ng annual premium for a certain healthcare coverage. Magamit mo ito or hindi ay babayaran mo pa rin every year kung gusto mong ipagpatuloy ang healthcare coverage.

Sa Kaiser, puwedeng maging short-term at long-term. Kung nag-avail ka nito at biglang nagkasakit magagamit mo ang healthcare benefits. Paano naman kung hindi magamit? Okay lang! Dahil si Kaiser ay long-term healthcare din kung saan ang hinuhulog mo ay hindi masasayang at magagamit mo pa rin in future needs.

LIFE INSURANCE

Sa traditional HMO kapag sinabing healthcare ay Pure Healthcare lang.

Sa Kaiser, hindi lang siya basta healthcare. May Life Insurance coverage din na kung saan ay protected ang pamilya.

Halimbawang may mangyari sa policy holder ay makakatanggap ang beneficiaries nito ng instant money mula sa Insurance Company.

Bukod pa doon ay may Waiver of Installment due to Death, Waiver of Installment due to Total and Permanent Disability at Transfer of Kaiser Policy to the Principal Beneficiary.

SAVINGS & INVESTMENTS

Bukod sa healthcare at life protection, ang kaiser ay may investment din.

Kung healthy ka at hindi mo nagagamit ang healthcare coverage bibigyan ka pa ng BONUS ni kaiser sa Maturity ng iyong 3-in-1 Saving Plan.

Makukuha mo ang lump sum sa 20th year ng iyong plan. May option ka rin na i-retain lang ito upang lumago pa ang pera mo.

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

The First Long Term HMO in the Philippines

KAISER INTERNATIONAL HEALTHGROUP INC.

We are duly accredited with the Department of Health (DOH). Our Company is likewise, registered with the Securities and Exchange Commission (SEC) on June 08, 2004 as a Health Care Provider with an Authorized Capital Stock of Php 160M.

Kaiser International Health Group Inc. is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.


Kaiser Ultimate Health Builder

Meron kang benefits ng Long term Healthcare na pwede mong magamit kahit beyond 100 years old ka na. No traditional HMO will cover you kapag retired ka na, only Kaiser Longterm Healthcare.

Once nag-start ka ng Kaiser, automatic insured ka na ng Term Insurance nito and just in case mawala ang Policy Holder makukuha ng beneficiaries ang Instant Money from the Insurance, Waived na din ang Kaiser Plan, ibig sabihin wala ng iintindihin ang Family. Plus magagamit pa nila yung Health Benefits at makukuha pa nila ang money sa Maturity.

Sa 20th year or sa Maturity makukuha na good as cash ang Investment. Depende sa kukunin na Plan kung magkano ang Maturity nito and option mong kunin ang Fund or Hindi. Kapag ni-retain mo lang ang Funds after the Maturity kumikita pa ito ng average interest rate of 10% per year.

Some Benefits of Kaiser Ultimate Health Builder:

✔ Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.

✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 3% - 10% rate of returns depende sa performance ng stock market.

✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!

✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

Three (3) Important Phases of Long term HMO

Accumulation period or The Paying period

1st year to 7th year

Extended period or The Growth period

8th year to 20th year

Maturity period or Long Term care period

21st year onwards

Accumulation Period or The Paying Period (First 7 Years)

For the first 7 years you will be paying for the plan. During this time, it works like a typical HMO wherein you have an annual benefit usable for hospitalization expenses. These are also a couple of benefits, like:

• Free Annual Physical Examination

Physical Examination, Chest X-Ray, Routine Fecalysis, Routine Urinalysis, Complete Blood Count

ECG for Members above 35 and Pap Smear for Female Members above 35 years old or as required.

• Free Dental Check-up

Unlimited Dental Check Ups

Unlimited Simple tooth extraction

Once A year Free Dental Prophylaxis

Recementation of jacket, crowns, inlays, on lays and

Minor adjustment of Dentures

• Immediate Health Coverage (IN-Patient) 

Accredited Hospital's Room and Board

Accredited Doctor's Fees/ Operating room's Fee/ Misc. Fees

Emergency Care

Life Insurance Coverage

• Term life insurance

If the member dies before attaining the age of seventy five (75) years, your family will receive a lump sum amount of money

• Accidental Death Benefit

If the member died due to accident the term life insured received  by the family will be doubled. 

• Dismemberment Benefit

If the member suffer, directly and Independently of all other causes, any bodily injury effected solely through external, violent and accidental mean,  which result in any of the specified losses, the insurance company will pay the following:

Loss of Both Hands                                                     100%

Loss of Both Feet                                                          100%

Loss of One Hand and Sight of One Eye              100%

Loss of one foot and Sight of One Eye                 100%

Loss of both sight                                                         100%

• Waiver of membership fees due to death and       permanent total disability 

In case the insured passes away during the paying period of 7 years:

1) The remaining installments will be waived.

2) The beneficiaries will receive the insurance proceeds.

3) At malilipat kay Primary Beneficiary ang policy. Siya na ang bagong owner of the plan. Wala na siyang babayaran. All investment and healthcare benefits, siya na ang makakagamit at makakakuha.

Extended Period or The Growth Period (next 13 years)

During this phase, you have completed all the payments and all you have to do is wait and let the plan reach its 20th year (maturity) at this point your will have a starting cash value that you can also use for your medical expenses. The money is invested in mutual fund, government and corporate bonds, which are expected to yield 7-10% compound per year.

Comparison to other providers: during this period, the Kaiser plan is still there for your short-term healthcare needs. The money is still growing at this stage and it is at this period when the Kaiser plan starts to step-up and be more competitive with the other healthcare providers.

• Accumulation of unused Health Benefits at 7-10%

• In-Patient and Out-Patient Hospitalization Benefits

• Maternity Benefit

• Pre-existing Illness and Dreaded illness are covered

• Guaranteed long term care benefit

• Guaranteed 10% yearly bonus of your long term care benefit


The Maturity Year/ Long-Term Care Period (20th Year onwards)

At the plan’s maturity at 20th year, several bonuses will be awarded like the Long-term care benefit and bonus, plus about 85% of the premiums will be returned to you if you didn’t use the plan during the earlier stages, here, the cash value of your investment would also be good as cash- meaning you can use it for anything not just hospitalization and medical expenses.

Comparison to other providers: at this Period, Kaiser stands out because most healthcare providers are already too expensive by the time you reach your 40s or even 60s. On the other hand, your money with Kaiser has already accumulated and depending on the plan you chose, your Total Health Benefits would be upwards of P500,000 all the way to several millions.

I WANT TO CREATE KAISER PROPOSAL

HOW MUCH IS KAISER HEALTH SAVINGS PLAN?

COST OF GETTING SERIOUSLY SICK IN THE PHILIPPINES

We need to consider the following in getting our plan:

1. Age

ilan taon na ba tayo? kung tayo ay may edad na make it sure kumuha ka na ng mas mataas na mga plans at mas malapit mo na itong gamitin

kung tayo naman ay medyo bata bata pa, ang mairerecomenda ko sayo ay kumuha ka na ng mas maaga at kung kaya ng budget mo kumuha ka din ng mas mataas para sa EARLY RETIREMENT mo.

2. Need

Dapat alam mo din kung ano ba ang pinaghahandaan mo. kailangan mo din iconsider ang inflation

Halimbawa: considering 7% inflation rate sa medical needs natin

Stroke = 1.8M in 2020                                                                                                                        3.6M in 2030                                                                                                                         7.2M in 2040

kung inaasahan mo na ikaw ay maiistroke after 20 years ang kailangan mong plan ay dapat may maturity value na 7.2M kasama na dito ang inflation.                                                                                                 

3. Budget

Syempre, kahit gusto natin ng mataas na plan kung hindi naman pasok sa budget natin dapat wag natin itong ipilit. tandaan natin mas importanteng matapos natin ang plan kesa makakuha lang tayo.

4. Wants

Pwede mo din tignan kung magkano ba ang gusto mong pensionin balang araw. kung gusto mo magpension ng 25,000 pesos buwan buwan after 20 years ang K-250 ang nababagay sa iyo.

Early Retirement

*If instantly after magmatured ng plan at gusto mo ng mag early retirement pwede ka na agad magsimulang magpension

*projected return of 10% per annum

*ang kinukuha lang natin ay ang kinikita ng ating investment taon taon at ito ang magsisilbing pension natin

Do you want to avail discount?


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Late Retirement

*considering you get this policy @ age 30 and decided to start the pension @ age 60

*projected return of 10% per annum

*ang kinukuha lang natin ay ang kinikita ng ating investment taon taon at ito ang magsisilbing pension natin