Hi,
For those interested to know about Kaiser Health Insurance plus Saving Program or interested to know about financial planning.
Count on me
Please pm me or contact me at 09223134782 for more information.
LONG-TERM HEALTHCARE - Major Benefits
Accredited Hospitals
Over 500 Accredited Hospitals, Hospital's Intensive Care Unit and Operating Room
Accredited Doctors and Specialist
Over 1,000 accredited Physicians / Specialists / Surgeons / Anesthesiologists
Annual Physical Examination
Free Chest X-ray Stool and Urine Analysis Complete Blood Count Electrocardiogram (for 35 yrs. old and above)
The Annual Physical Examination is deductable from your Total Health Benefit during the extended period.
Dental Benefits
Free unlimited dental check-ups once a year free dental prophylaxis, free simple tooth extraction
Special and Extended Benefits
Magnetic Resonance Imaging (MRI) Nuclear/Radioactive Isotope Scan, CT Scan, Dialysis, Blood Transfusion, Chemotherapy, and Radiotherapy, Physical/Speech Therapy, Anti-Rabies, Venom and Tetanus Vaccine, Emergency Benefits (Ambulance)
Long-Term Care Benefits
A guaranteed benefit which you can use after 15 years, whatever sickness you have or you can also use it at age 65 onwards...
Yearly Health Benefits
A 10% yearly accumulation based on the long term care benefit starting on the 6th year up to the 15th year
Long-Term Care Bonus
If no claim was made during the Accumulation period all premiums paid will be given back on the 15th year, making it COST FREE
Lifetime Network Access
Lifetime access to over 1,000 doctors, over 500 hospitals as long us you have funds available in your health benefits
Term Life
If the policy owner dies during paying and accumulation period the beneficiary will receive an amount equal to Long Care Benefit
Waiver of Installment Due to Disability
If the policy owner becomes totally and permanently disabled for a period of six months (before age 65 years and 6 months) during the accumulation period. all the succeeding payments will be waived
Accidental Death and Dismemberment
If the policy owner dies due to an accident before age 65 and 6 months, or suffers from dismemberment of both hands, both feet or loss of sight in both eyes (or any combination thereof) before age 65 and 6 months during the paying period, the nominee will receive equal to 200% of the Long Term Care Benefit
Waiver of Installment Due to Death / Credit Life
If the policy owner dies during the accumulation period, the balance of premiums is waived, rendering the plan fully paid.
Alarming health Realities...
In 20 years, the elderly will outnumber the youth by a ratio 4:1
Aging workforce is the biggest economic challenge over the next decades
Heart disease is the number one cause of mortality in the Philippines
Medical inflation hits nosebleed levels, 3-4 times economic inflation
Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
Health conditions in the Philippines remain among the poorest in East Asia
More and more people die not because of no doctor or no medicine but because of money
Renewal not guaranteed if with high claimsRenewal is guaranteedYearly increase of premiumFixed premiums for 5 yearsGenerally, no insurance coverage some provide insurance, but very low coverageWith Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:
Kaiser Advantage:
Short Term Healthcare Traditional HMO
Renewal not guaranteed if with high claims
Yearly increase of premium
Generally, no insurance coverage some provide insurance, but very low coverage
No accumulation of unused health fund
No return of premiums (ROP) for non-utilization
Covers only up to age 60
Pre-existing illness is not covered during the 1st year and lifetime / permanent exclusions may be issued on the 2nd year onwards
Inflexible, non-transferable benefit design
Reinstallment is limited only within 30 days of lapsed policy
Access to non-accredited physicians and medical network is not covered
Out-patient medicines and cosmetic treatments not covered
Continuous yearly payment terms
Anxious, worrisome and insecure healthcare status after employment or during retirement years
Long Term Healthcare Health Savings Account
*Renewal is guaranteed
*Fixed premiums for 5 years
*With Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:
Term Life
*Accidental Death and Dismemberment
*Waiver of Installment due to death
*Waiver of Installment due to Permanent and Total Disability
*All unused health fund accumulates with interest
*With returns of premiums up to the contract price for non-utilization during the paying period
*Covers beyond age 60 with long term care yields
*Pre-existing is not covered during accumulation period. No exclusions after the 5th year of coverage
*Flexible, transferable, and may be redated benefit design
*Reinstallment within 2 years of lapsed policy
*Access to non-accredited physicians and medical network is covered after the 5th year
*Out-patient medicines and all illness including cosmetic and maternity are covered after the 5th year
*Five (5) years or spot-cash payment options
*No worries...
Subject to the availability of accumulated health fund
Long Term Care - Insurance Benefit
If, at the time of signing the Membership Application, the Owner is in good health, is at least eighteen (1
but not more than sixty-five (65) years old and performing the normal activities of daily life, he shall be insured by Kaiser under a Group Master Insurance Contract underwritten by a reputable and duly authorized insurance company, as described below:
Term Life Insurance - If the owner dies before attaining the age of sixty-five (65) years and prior to entitlement to the Long-Term Care Benefit as indicated in the Schedule of Benefits, his beneficiaries shall be entitled to an amount equal to the Long-Term Care Benefit upon approval of the claim by the insurance company.
Accidental Death And Disbursement Insurance - Should the Owner suffer, directly and independently of all other causes, any bodily injury effected solely through external, violent and accidental means, occurring prior to the Owner's 65th Birthday and prior to entitlement to the Long-Term Care Benefit, which result in any of the specified losses within 180 days after the accident causing the injury, the insurance company will pay the following: Description Benefit
Loss of life 100%
Loss of both hands 100%
Loss of both feet 100%
Loss of sight of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and sight of one eye 100%
Loss of one foot and sight of one eye 100%
Loss of one hand or one foot 50%
Loss of sight of one eye 50%
Loss shall mean the dismemberment of hands and feet by severance at or above the wrist bone or ankle joints respectively. Loss of eyesight must be total and irrecoverable.
Any partial benefit already paid for any loss(es) shall not be carried over in the subsequent contract year, i.e., the amount of benefits to be paid in the succeeding contract year shall not be reduced by any amount paid in the preceding contract year.
The loss of the first joint of the thumb or any other finger or of any toe shall be considered as equal to the loss of one half of the thumb or finger or toe. The loss of more than one phalanx of the thumb or of any other finger or of any toe shall be treated as loss of the entire thumb or finger or toe. Where there is loss of two or more parts of the hand, the percentage payable shall not be more than the loss of one whole hand.
The aggregate of all percentages payable with respect to any more accident shall not exceed 100%.
Credit Life Insurance - If the Owner dies during the Accumulation Period and before exceeding the age of sixty-five, the proceeds of the credit life insurance shall be applied to the balance of this Contract Price upon approval of the claim by the insurance company, if any.
Waiver Of Installment Due To Total And Permanent Disability - If the Owner becomes totally disabled during the Accumulation Period and before his 60th birthday thereby preventing him from engaging in any occupation for compensation or profit, is so disabled for life, and such disability continues for at least six (6) months, Kaiser shall waive the payment of each installment becoming due during the period of disability. However, pending approval of the claim, installments should be paid as they fall due, subject to refund upon approval.
All claims under the above insurance coverage shall be subject to contestability as provided for by law, but for a reduced period of one (1) year from the date of issue or reinstatement of this Contract.
If the member dies during the Accumulation Period, the Principal Beneficiary named herein shall be substituted as the new Member, but no longer with insurance benefits and subject to the provisions on Pre-existing Illness or Injury (Art. VII). If the Member dies during the Extended Period, this Contract shall be considered terminated and his Beneficiary shall be entitled to the corresponding Cash Value.
Our Five-Point HealthCard Program:
Preventive Health Care - Prevention is always better that the cure, we provide annual physical check-ups to ensure wellness
In-Patient Care - Revolutionary swipe technology using Visa-Eon for cash-free hospital admittance
Out-Patient Care - All year-round medical care
Dental Care
Emergency Care
PREVENTIVE HEALTHCARE:
Package of Annual Physical
Examination (APE) at Kaiser Designated Clinics
Complete Blood Count
Urinalysis (Urine examination)
Fecalysis (Stool examination)
Chest X-Ray
Electrocardiogram (Adults age 40 and above, or if prescribed)
Pap Smear (Women age40 and above, or if prescribed)
For In-Patient and Emergency Care - Automatic admission using a revolutionary swipe card technology.
IN-PATIENT CARE
No deposit upon admission (for surgical cases, please contact Kaiser)
Room and board according to plan benefit
Operating Room and Recovery Room
Administered medicines
X-Ray and laboratory examinations
Services of Kaiser Specialists like anesthesiologists, internists, surgeons, etc.
Services and medications for general/spinal anesthesia or other forms of anesthesia necessary for a surgical procedure
Intravenous fluids and transfusion of fresh whole flood
Modern therapeutic modalities and interventional surgical procedures such as, but not limited to laparoscopic surgery and lithotripsy, are covered up to Php20,000 each per year subject to pre-existing conditions coverage
ICU confinements, dialysis, chemotherapy, and radiotherapy subject to the maximum limit and pre-existing condition coverage
Complex diagnostic procedures shall be covered up to Php5,000 each per member per year subject to the pre-existing conditions coverage (Inclusive of room and board, operating room charges, professional fees and other incidental expenses relative to the procedure):
Angiography (e.g. coronary, cerebral, retinal, pulmonary, GI, etc.)
Pulmonary perfusion scan
Tests involving use of Nuclear Technologies
24-Hour Holter Monitory, 2-D Echo and Doppler
Treadmill Stress Test
Bone densitometry scan (Dexascan)
Plasma/Urinary Cortisol, Plasma Aldosterone, etc.
Mammography (Breast cancer) and Sonomammogram
Laboratory/ancillary services for conditions whose pathogenesis or subsequent clinical Improvement not yet fully established in Medical Science
New modalities and/or diagnostic and treatment procedures for conditions with established etiologist and its use is only as alternative to the conventional methods
Genetic/Immunologic studies
All other items related to the management of the case (Partial listing only)
OUT-PATIENT CARE
In the event that the assured member suffers illness or injury not requiring confinement in a hospital, Kaiser shall provide:
Referral to specialists
Regular consultations and treatment (except prescribed medicines)
Laboratory and X-Ray examinations
Treatment of minor injuries and surgery not requiring confinement
Eye, ear, nose and throat treatment
EMERGENCY CARE
Designated Hospitals
During an emergency case, a member who is in a critical condition caused by an illness or injury, the following benefits are:
Physician's services
Medicines utilized during treatment or for immediate relief
Casts, dressing and sutures
Oxygen and intravenous fluids
X-Ray, laboratory and other diagnostic examinations directly related to the emergency management of the patient
Non-Designated Hospitals
KAISER will reimburse 80% of the total hospital bills inclusive of professional fees based on KAISER Accredited Units (KAU) but exceed Php5,000
KAISER shall only pay the said amount (80% but not to exceed Php5,000) when it is verified that the use of a KAISER non-designated provider would entail a delay resulting in death, serious disability and significant jeopardy to the member's condition or the choice of hospital was beyond the control of the member or member's family
The member is required to submit all billings relative to such admission to the Kaiser office for the reimbursement of compensable expenditures within a period of 15 days form the date of discharge
DENTAL CARE
The member shall be entitled to dental services administered by an accredited service provider. The dental benefits shall cover the following services:
Consultation and Dental Examinations
Dental Nutrition and Dietary Counselling
Dental Health Education
Restorative and Prosthodontic Treatment
Simple tooth extractions
Temporary filling-unlimited (as needed)
Annual prophylaxis (mild cases only)
Simple tooth Adjustment of Dentures
Recementation of loose crowns, in-lays and on-lays
Kaiser Health Insurance plus Saving Program as low as P2,081.00 Monthly Fee
Reply With Quote
Posting Permissions
