Our Mission & Vision

"We shall aim to be the industry leader in providing maximum, long-term and short-term health care benefits to all our members."

"We help build a secure future and wise financial foundation in coping with inevitable medical expenses each of us would one day face especially after employment and during retirement years."

Why Choose Kaiser?

Kaiser Ultimate Health Builder Plan is our recommended Protection and Retirement plan product for you. Bakit? Just learn more below.

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:

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

Typically, regular Filipino employees would have a healthcare plan provided by their employer. This is a basic benefit that’s certainly valuable and helpful to all regular employees and their dependents since this secures their short-term healthcare needs but what happens when a person stops working? What happens when you reach the age of retirement? Will you be able to bring your healthcare benefits with you? Sure, you have a short-term healthcare right now, but are you already prepared for the time that you might actually need it the most? Who will provide for your food, shelter, health care and other basic needs?

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.

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.

1st Reason: 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.

2nd Reason: 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.

3rd Reason: Investment for Retirement

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 3 PHASES OF KAISER ULTIMATE HEALTH BUILDER PLAN

1st PERIOD: Accumulation Period or The Paying Period (1st to 7th year)

3rd PERIOD: The Maturity Year/ Long-Term Care Period (21st Year onwards)

2nd PERIOD: 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 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.

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• Accumulation of unused Health Benefits at 7-10%

• In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.

• Accumulation of unused Health Bonus at 3-13%

3rd Period: 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.

ULTIMATE KAISER HEALTH BUILDER

Pre-Computed Table

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 average interest rate of 10% per year.