We all want to be financially secured but the question is, how do we start? When it comes to financial planning, there are two important questions that you have to ask yourself:What if I die too early? What will happen to my family? What if I live too long? Who will take care of me?
Ask yourself the following questions and find out why Kaiser could be the answer:

Q: What if I die too early? What will happen to my family?

​When the breadwinner passes away, the family not only loses a loved one, it also loses a source of income to pay for food, shelter, and basic necessities.
Kaiser gives you term life insurance coverage for 20 years (or up to age 70), so if you pass away too early, your beneficiary will get the proceeds of life insurance and inherit the medical benefits under the plan.

Q: What if I live too long? Who will take care of me?

​When you retire or stop working, you will still need continuing income for food, shelter and health care.
Kaiser will convert your unused benefits and long-term healthcare benefits to a fund that earns 7 - 10% per annum to fund actual health care or cost of personal caregiver. Plus, if you don't get sick, this fund can also be used for anything, anyone, and anywhere.

WHY CHOOSE KAISER?

Kaiser gives you two of the basic components one should be looking for in an investment: Protection + Growth.
Protection: Kaiser covers not just your short-term healthcare but more importantly, it secures your long-term protection, for your healthcare needs at your old age, as well as your insurance or your family's protection in case of an unfortunate event.
Growth: Since Kaiser is invested on a Mutual Fund that earns an average rate of 7% - 10% compounded annually, if you don't get sick and live long enough without getting sick, it can be good as cash. Meaning, you can withdraw your money and use for any of your other needs and responsibilities at your old age. Now, should you decide to leave your money even after maturity, it will just continue to grow at an average rate of 7% - 10% per annum.
In essence: ​Kaiser is a HEALTHCARE, INSURANCE, INVESTMENT + EMERGENCY FUND. It's a 4 in 1 investment vehicle.
We'll get to the specifics as you read on.

​​THE 3 PHASES OF KAISERULTIMATE HEALTH BUILDER PLAN:

Phase 1: Accumulation Period or The Paying Phase (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. There are also a couple of benefits, like:Benefit of free Annual Physical Examination after one year of payment.Benefit of free Dental Checkup, annual dental prophylaxis, including unlimited simple tooth extractions.Term Life Insurance (up to age 70) with accidental death and dismemberment riders.In-patient benefits in accredited hospitals except for pre-existing conditions and dreaded diseases, up to plan annual benefit limit.Waiver of Installment/Premium due to death/total and permanent disability.

Phase 2: Extended Period or The Growth Phase (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 plan will have a starting cash value that you can also use for your medical expenses. The money is invested in government and corporate bonds, which are expected to yield 7-10% compounded per year.
Comparison to other providers: During this phase, 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 phase when the Kaiser plan starts to step-up and be more
competitive with the other healthcare providers.Term Life Insurance (up to age 70) with accidental death and dismemberment riders.Accumulation of Unused Health Benefits/Bonus at 7-10%.In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.

Phase 3 – The Maturity Year (20th year and beyond):

At the plan’s maturity at YEAR 20, 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 phases. Here, the cash value of your investment would also be good as cash – meaning you can use it for anything, anyone and anywhere, not just hospitalization and medical expenses.
Comparison to Other Providers: At this phase, 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. If left unused the cash value upon maturity is projected to earn 7-10% per year.​
Below are sample pre-computed amounts:
PLAN K50 - P 2,941 monthly / P 8,529 quarterly / P 15,882 semi-annually / P 29,411 annually
TERM INSURANCE BENEFIT: P225,500
TOTAL CASH VALUE ON THE 20th YEAR: P583,084
PLAN K75 - P4,412 monthly / P12,794 quarterly / P23,823 semi-annually / P44,116 annually
TERM INSURANCE BENEFIT: P337,500
TOTAL CASH VALUE ON THE 20th YEAR: P874,626
PLAN K100 - P5,582 monthly / P17,058 quarterly / P31,764 semi-annually / P58,821 annually
TERM INSURANCE BENEFIT: P450,000
​TOTAL CASH VALUE ON THE 20th YEAR: P1,166,168.
PLAN K125 - P7,353 monthly / P21,323 quarterly / P39,704 semi-annually / P73,527 annually
TERM INSURANCE BENEFIT: P562,500
TOTAL CASH VALUE ON THE 20th YEAR: P1,457,710.
​

WHO SHOULD INVEST IN KAISER?

A Kaiser long-term plan is a great complement to any existing healthcare plans, especially if it’s only provided by an employer. It is important to have healthcare plans that ca cover both short and long-term healthcare needs.
The Kaiser long-term plan isn’t recommended if:You have no source of income. Permanently unemployed individuals, retirees, children and students should not get a Kaiser plan – unless someone else can sponsor your premium.You are buried in high-interest debts. It is financially wise to pay off high-interest debts (such as credit card bills) before engaging in any form of investment, unless your income can accommodate both paying off debt and investing. Auto and Home Loans are sustainable since these are more accept able interest rates.You cannot save more than 10% of your salary. IMG teaches prioritizing the increase of income while decreasing expenses. Learn how to budget and save first.
If you meet any of the above conditions, IMG welcomes you to seek financial coaching. It would still be ideal if you can secure a long-term Kaiser health plan in the future.
The plan is GOOD for you if:You are starting a family. Securing a long-term healthcare plan for yourself is always a good thing -- the only possible challenge is if you have a very tight budget. If you are starting a family on a tight budget, it would be wise to increase your cash flow first, build up your emergency fund and then get your long-term healthcare. Start investing on mutual funds for your child’s college tuition as well -- if you have excess money.
The plan is VERY GOOD for you if:You are an established family man in your 40’s to mid-50’s. Given that the plan takes 20 years to mature, it would best to start as soon as possible so that the plan would have already reached maturity by the time you retire.You plan to grow old single. It is important to make sure that you are financially prepared for your medical needs especially if you generally have less people to rely on in your old age.
The plan is EXCELLENT for you if:
You are self-employed with no form of health/medical benefits. Healthcare and life insurance should be considered as a basic need. If you are self-employed, Kaiser (being short and long-term healthcare, insurance and investment) will provide you the basic benefits (and more) of any employee.You are an employee planning to start a business. One of the common hindrances aspiring entrepreneurs have is the fear of losing the benefit they have as employees, such as HMO coverage and life insurance. Having a Kaiser plan ensures that you’ll have health and life insurance, so that you are free to venture into starting a business without worry.You are a young professional and you are already covered by your employer’s health benefits. While you are still young, healthy and have minimal responsibilities, this is the best time for you to invest on your long-term healthcare needs. What’s even better is if you do not use the Kaiser plan until its maturity (20th year), you will get the more than 100% return of the total premium that you’ve paid. Time is your greatest asset when it comes to investing so make sure that you maximize it by knowing what to prioritize.

FREQUENTLY ASKED QUESTIONS:

Q. How can we be sure Kaiser will still be there in the long term? Can we trust Kaiser to fulfill its commitments?

A: 1. The Kaiser Ultimate Health Builder is a product of two actuarial studies made by an American and a Filipino actuarial, respectively. 2. The company and the products offered have passed the regulatory requirements of the gov't thru the Securities and Exchange Commission and the Department of Health. 3. At least 51% of payments made by the plan holders automatically goes to a trust fund, as required by the government. KAISER cannot touch the trust fund. It is reserved for the future claims by the plan holders. 4. Kaiser trust fund is managed by two reputable international banks namely: 1.) ING BANK (based in the Netherlands) and 2.) DEUTSCHE BANK (based in Europe)

Q. I just bought a Kaiser K45 plan and would want to have a bigger coverage. Can I upgrade or buy another plan?

A: Yes, a plan holder or member may upgrade his plan within 30 days from the member's effectivity date. The member may buy another plan only upon full payment of his policy which is on the 6th year.

Q: I just bought a Kaiser K100 plan. Can I now avail of the Annual Physical Exam and Dental Examination?

A: The member can avail of these two outpatient benefits after paying fully paying the first year's premium. E.g. If his mode of payment is annual, then he can avail immediately after receiving his member's kit containing his ID, benefit and dental card, provider directory, guide book and your schedule of benefits with the contract provisions.

Q: I have a Kaiser K50 plan which I'd like to transfer to my daughter because I'm migrating to the U.SA. How do I go about transferring it?

A: The member shall be required to sign an amendment form and the daughter signs a new application for membership form and submit it to his IMG representative/offices or to Kaiser office located at King's Court I Building along 2129 Chino Roces Avenue in Makati City.

Q: If a member dies, is his Kaiser K100 plan transferable to any of his beneficiaries? How much will his beneficiary get?

A: If the plan has approved term insurance coverage, the plan is transferable to the primary beneficiary. Kaiser shall pay the principal amount of the term insurance equivalent to the member's long-term care benefit Php 100,000. If the cause of death is an accident, another Php 100,000 shall be paid.

Q: What if I invested on a Kaiser K50 plan and during the paying period (first 7 years) I used my Kaiser plan for in-patient hospitalization?

A: Instead of getting the full amount of P583,084 you will only get P408,084. Still more than 100% of what you've invested.

Q: What if I just leave my funds even after the 20th year?

A: It just continues to grow at a rate of 10% compounded annually. This is exactly the reason why the earlier that you start, the more funds you can accumulate.

Q: Am I still covered with insurance beyond the 20 years?

A: YES, as long as your account is still funded. Your total fund beyond the 20th year serves as your insurance. E.g. If you invested on a K-50 plan and didn't use/withdraw any amount from your fund, your total insurance coverage on the 20th year is P583,084

Q: What if I don't get sick? Can I use my money for something else?

A: YES, because it’s an investment. Meaning you can use it for anyone, anything, and anywhere.
Health Care, Life Insurance, Savings and Investment is must sa bawat miyembro ng Pamilya lalo sa pagreretiro at lahat yan ay kayang ibigay ng Kaiser.

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