Long Term Care
Mga nakapagclaim na sa Kaiser Long Term Care. Mga Kumuha ng Cheke. Investment at Insurance Money .
Sila ang ilan sa halimbawa na kumuha ng Kaiser Plan. Ang nasa video ay mga policy holders na nag claim ng kanilang cheke. May nagclaim dahil nagmature na ang kanyang plan,savings at ini-enjoy na nila ang kanilang investment. Mayron nagclaim na anak,asawa, kapatid at magulang dahil namatay ang policy holder. Nagclaim sila ng cheke bayad as Insurance Benefit. Ang Ultimate Kaiser Health Builder o mas kilala sa tinatawag namin na Kaiser Savings Plan o Kaiser 3 in 1 dahil pag nag invest ka dito ay complete na ang Financial Plan mo. May HEALTHCARE, LIFE INSURANCE at INVESTMENT kana.
ANG KAISER SAVING PLAN AY 20 YEARS PLAN, MEANING 7 YEARS LANG MAG-IINVEST AND 13 YEARS OF WAITING FOR THE MATURITY.
7 years of saving/investing only.
13 years of waiting for the Maturity.
You will have the following benefits: Healthcare (short-term & long-term), Life Insurance and Investment.
Meron kang benefits ng Long term Healthcare na pwede mong magamit khit 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 6-10% per year.
LONG-TERM HEALTHCARE
Ang mga traditional HMO (Health Maintenance Organization) 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 (Health Maintenance Organization) 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 FOR RETIREMENT FUND
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.
WHO IS ELIGIBLE TO GET KAISER LONG TERM CARE?
Ang pwedeng kumuha at mag-invest ay 10 to 60 years old.
- 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)
- FOR AGES 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)
- FOR AGES 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)
