IThe Kaiser Ultimate Health Builder Plan - (FULL REVIEW)

The Kaiser Ultimate Health Builder 3 in 1 + 1 Plan, product provider is Kaiser International Health Group Inc., is a 20 year plan na 7 years mo lang babayaran. Bakit 3 in 1 + 1?

1. LONG TERM HEALTH CARE that covers you beyond age 60.

2. INCOME PROTECTION (LIFE INSURANCE). Anything happens to you, the plan is considered paid and your beneficiary will get the money.

3. INVESTMENT (MUTUAL FUNDS). Nothing happens to you, you get your investment back plus interest.

4. You can use this as EMERGENCY FUND.

Now, let’s discuss in full details the Kaiser Ultimate Health Builder Plan 3 in 1 + 1.

Ang Kaiser ay 20 year plan, meaning 20 years kang may benefit and 7 years ka lang magbabayad. EXAMPLE: Let’s take Plan K-100. K-100,000 = annual installment amount P58,821.43 for K-100, and a contract price is 411,750.00 Annual instalment P58, 821.43 X 7 years = P411, 750.00 Let us discuss the benefits, during the first 7 years sa paying period.

1. May Annual Physical Exam benefit ka.

2. Dental Health Benefit ka, like once a year free oral prophylaxis unlimited simple tooth extraction, temporary filling.

3. In-patient Benefits. During 1st year to 7th year ang covered ay hospitalization or in-patient benefits only.

4. For K-100 Plan na sample natin ang member ay merong ABL or Annual Benefit Limit na P60,000.00/ year.

5. Long term Care Bonus. Ano ba yung long term care bonus? If no claim was made during the paying period, 85% of premium fund will be given back at the end of the 20th year. Example sa Plan K100, contract price is P411, 750.00 so 85% of that is P350,000.00 if di mo nagamit in-patient benefit mo during the first 7 years, ibabalik sayo yung P350,000.00.

6. Waiver of instalment, due to debt or credit line. If the Policy Owner die during the paying period the balance of premiums is waived. Rendering the plan, fully paid. For example nabayadan nan g policy owner yung first annual instalment amount nya P58,821.43. On the second year policy owner dies her plan will be transferred to her benfeciary fully paid, P411, 750.00 contract price minus payment made na P58,821.43 which is equal to P352, 928.57 yung balance ng premiums na P352, 928.57 waived na.

7. Waiver of instalment and Premium due to total and permanent disability. If the policy owner becomes totally and permanently disabled for a period of at least 6 months during the paying period all succeeding payments will be waived.

8. Term Life insurance Coverage. For 20 years insured ang policy holder. The beneficiary will receive equal to the sum of amount of the long term benefit and the long term care bonus. In our example Plan K-100, long term benefit is P100,000.0 plus long term care bonus na P350,000.00 equals P450,000.00.

9. Accidental Death and Dismemberment. If policy holder dies through accident times two and insurance coverage nya. So kung P450,000.0 ang coverage magiging P900,000.00 ang insurance coverage.

10. Family Assistance Service. Policy should be in active status and plan should have completed for at least 1 year payment. Nominated patient must be an immediate family member of the policy holder or within the first degree of consanguinity.

Let’s discuss now the extendend period - 8th year to the 20th year. Ano nga ba yung benefits mo, during the extended period?

1. You have 10% Annual Health Benefit. Sa sample natin na K-100 or K-100,000, 10% of P100,000.00 is P10K a year kaya makikita nyo from 8th year to 20th year may P10K a year na health benefit amg Policy holder. Kapag di nagagamit ang annual benefit, naga-accumulate lang ang balance earning 10% per year. Kaya yung P10K on the 8th year, kapag hindi nagamit plus 10% magiging P11K plus 10% ule on the 9th year kaya magiging P21K then times 10% ule yung P21K, kikita ng P2,100.00 kaya magiging P23,100.00 plus P10,000.00, P33,100.00 ang balance at the end of 10th year and so on.

2. Additional Health Benefit. On top of annual health benefit sa taas meron ka ding additional health benefit eto yung dividend mo kase ang binayad mo sa Kaiser ay nakainvest . On the 2nd year nagstart na tumakbo ang investment part ng Kaiser plan mo, kaya on the 8th year sa sample natin, meron kang additional health benefit na P32,981.00 and additional health benefit mo ay depende sa market . Rate of return ranges from 3% - 13% .

3. Long term care benefit. Kahit magamit mo lahat ng benefits mo from first year to 20th year meron ka paring mare-receive na long term care benefit. This is equivalent to your plan. In our example K-100 or K-100,000 kaya P100,000.00 ang long term care benefit.

4. Long term bonus. Pag hindi mo nagamit ang in-patient benefits mo during paying period, ibabalik ang 85% ng binayad mo. In our example Plan K-100 contract price is P411, 750.00 X 85% so ang long term care bonus nya is equal to P350,000.00.

Kaiser is one of our recommended products kase maso-solve nito initially ang foundation mo. Sa Kaiser may investment part, and starting on the 8th yr may fund ka na kumikita ng 10% or more. In case of emergency may family assistance na pwede mong pa-approve sa Kaiser kung may card ka. For 20years may health insurance ka, may health card ka na magagamit for 20years and even beyond 60years old ka na. Like building a house, you must build it from the ground up, build it right.

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