07/04/2025
There are two types of Healthcare or HMO: (1) SHORT-TERM (ST) and (2) LONG-TERM (LT). We can have both if we can. But if we have a limited budget, which one should we go for?
Answer: LONG TERM Healthcare.
Why? Read the reasons below:
Short Term: Renewal not guaranteed if high claims
Long Term: Renewal is guaranteed
Short Term: Yearly increase of premium until age 60
Long Term: Fixed premium for 7 years to save only
Short Term: Hospitalization benefit only, no insurance
Long Term: Hospitalization with insurance coverage for natural death, accidental death, and disability. The plan will also be fully paid (waiver of premium)
Short Term: No accumulation of unused funds, no return of premium (disposable)
Long Term: All unused funds grow with interest and 85% of the contract price will be returned at the maturity date
Short Term: Age limitation, normally covers up to age 60 only
Long Term: Covers beyond age 60 with long-term yields
Other Long-Term HMO features:
✅ Transferable to beneficiary in case of death of the planholder
✅Reinstatement within 2 years of lapsed policy
✅Covers all pre-existing conditions and dreaded illnesses after full payment
✅Online account portal accessible anytime anywhere
✅Online application and payment methods
Kaiser Long-term Healthcare is a complete savings plan that answers the 3 possibilities of life.
1. In case we get sick, we have hospitalization funds.
2. In case we die too soon, we have insurance funds to be left behind for our loved ones.
3. And in case we live too long, we'll have a retirement fund, not a financial burden to our family.
Let’s talk if you want to secure your future too. Message me for a Free Online Appointment or see me in person!
I’ll walk you through it—no pressure, just clarity. 💬✨
🆓FREE kaiser quote here: https://img.com.ph/quote/UKHB/?agentcode=318395ph