LIFE INSURANCE

4-WAY INSURANCE COVERAGE

1. Term Life

2. Accidental death and dismemberment

3. Waiver of installment due to death

4. Waiver of installment due to permanent and total disability

HEALTHCARE

Short -Term and Long -Term Medical Needs

INVESTMENT

SAVING 

(YEAR 1 TO 7)

This is the phase where the plan holder is made to save for 7 years only.

During this period, the plan holder gets to enjoy the following benefits and privileges:

✔️ Annual Physical Exam (APE)

✔️ Basic Dental Benefits

✔️ Waiver of installments due to death

✔️ Waiver of installments due to disability

✔️ Basic Medical Benefits

✔️ Term Life Insurance for 20 years

✔️ Earn dividends on your contributions (starting on the 2nd year)

✔️ Member’s choice of room and board

✔️ Annual Benefit Limit In-Patient Care or Hospitalization Benefit (starting at 50,000 per year depending on the plan)

During this period, pre-existing conditions are not covered. This is to protect the healthy plan holders and the company.

COMPOUNDING 

(YEAR 8 TO 20)

During this phase, you no longer pay for your Kaiser LTC.

✔️ At this stage, your health funds (plus the accumulated dividends from the Saving Period), are strategically invested in the Stock Market (thru Mutual Funds). Thus, empowering your investment to grow at an average rate of 10% per annum.

✔️ Your medical benefits are basically similar to those in the Paying Period---but this time, payments for medical-related expenses shall be taken cared of by your available funds under compounding or accumulation.

✔️ You get additional health benefits

✔️ VISA Card shall be issued after completion of 7-year contribution

✔️ Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)

✔️ Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)

The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines. 

MATURITY 

(YEAR 20 ONWARDS)

Upon Maturity of your Kaiser LTC, you will enjoy the following benefits:

✔️ Total accumulation of unused health benefits

✔️ LongTermCare Benefit

✔️ LongTermCare Bonus (Up to 85% of return on premium contributed when there are no claims from hospitalization during the Paying Period)

✔️Your health funds shall be as good as cash!

✔️You now have 3 options: Withdraw all your money (option to close your LTC account with Kaiser International); Withdraw a portion of your matured funds; or Let your funds be fully invested with Kaiser to serve as your lifetime healthcare fund and retirement money.

✔️ Whatever amount that remains in your Kaiser LTC health fund shall continue to grow at a guaranteed rate of 3-10% per annum.

Upon age 60 or 65 (if Plan is already matured), the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lump sum retirement fund.