02/02/2024
ANO BA ANG KAISER LONGTERM HEALTHCARE???
Ang Kaiser Longterm healthcare ay 3 in 1.
Meron healthcare + insurance + investment.
โKapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
โKapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
โMay kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
โWaived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
โNakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.
โGood as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
โCovered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acรงount!
โIn case of emergency, pwede magamit as family assistance.
โข Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta healthy ay qualified po for this program?
โข If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.
Get Kaiser 3 in 1 (Longterm Healthcare, Life Insurance + Investment) as early as you can, "mas daig ng maagap ang masipag"
May nagtanong sa knya. Diba ayaw mo ng VUL kasi Bundle. Kaya sabi mo BTID dapat. Pero parang contradict ang kaiser sa BTID. Ito sagot nya.
Kaiser is primarily a long-term healthcare product, with added benefits of short-term HMO and life insurance.
You can get an HMO and term life insurance, and then โinvest the differenceโ - thatโs the closest thing you can do to replicate the product.
But given the cost of HMOs today, the difference wonโt be really that big. Unlike doing BTID instead of VUL.
Moreover, it wonโt be the same as having long-term healthcare, which covers you beyond 60yo. Most HMOs stop at this age.
Simply...
If you need life insurance, then get term insurance.
If you need investments, then get a pure investment.
If you want 2-in-1, then get a VUL (but itโs better to do BTID IMO).
If you need short-term healthcare, then apply for an HMO.
If you need long-term healthcare, then get Kaiser (or a similar product... other life insurance companies have this type of long-term health insurance product too, but itโs bundled with other benefits).
In other words... itโs just a bonus that Kaiser has HMO, life insurance, and investments benefits.
Again... Kaiser is a health fund for when you get sick; but if you remain healthy, then it becomes a savings and investment fund.