24/05/2024
Hanggang saan aabot ang ๐ด๐ด ๐ฝ๐ฒ๐๐ผ๐ mo?
Mag-ipon lang ng ๐ณ years ๐ถ๐ป ๐ผ๐ป๐ฒ ๐ฝ๐น๐ฎ๐ป. May ๐๐๐๐๐ง๐๐๐๐ฅ๐, ๐๐๐๐ ๐๐ก๐ฆ๐จ๐ฅ๐๐ก๐๐ at ๐๐ก๐ฉ๐๐ฆ๐ง๐ ๐๐ก๐ง ka na.
The ๐ฏ๐ฒ๐๐ ๐ถ๐ฝ๐ผ๐ป na ๐๐ฎ๐น๐ฎ๐ป๐ด ๐๐ฎ๐ฝ๐ผ๐ป.
๐ฏ๐๐ ๐ซ๐๐๐ ๐ฒ๐๐๐๐๐ ๐ณ๐๐๐-๐ป๐๐๐ ๐ฏ๐๐๐๐๐๐๐๐๐ ๐พ๐๐๐?
Itโs a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT
3 PHASES OF LONG-TERM CARE PERIOD:
1๏ธโฃ. ๐จ๐๐๐๐๐๐๐๐๐๐๐ ๐ท๐๐๐๐๐
(7 ๐๐๐๐๐)
You start saving for 7 years while getting the following benefits:
โ๏ธ- Free Annual Physical Exam
โ๏ธ- Free Dental Benefits
โ๏ธ- Waiver of Installment due to death
โ๏ธ- Transfer of investment to beneficiary if planholder dies
โ๏ธ- Waiver of Installment due to disability
โ๏ธ- Basic Medical Benefits
โ๏ธ- Memberโs choice of room and board
โ๏ธ- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
โ๏ธ- Life insurance equivalent to contract price
โ๏ธ- Accidental Death and Dismemberment for 20 years
โ๏ธ- Lifetime network access to over 500 major hospitals and pool of doctors.
2๏ธโฃ. ๐ฌ๐๐๐๐๐
๐๐
๐ท๐๐๐๐๐
(13 ๐๐๐๐๐)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
โ- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
โ- Additional Health Bonus when the market is at top performance
โ- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.
3๏ธโฃ. ๐ณ๐๐๐-๐๐๐๐ ๐ช๐๐๐ ๐ท๐๐๐๐๐
(๐๐๐๐๐๐
20 ๐๐๐๐๐)
Upon maturity, the plan holder will receive the following benefits:
โ- Total accumulation of un-used health funds
โ- Guaranteed longterm care benefit or the plan coverage
โ- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
โAdditional health benefits when the market is at top performance.
โ Receives visa card where the funds are deposited.
Options upon maturity:
- Withdraw all the money.
- Withdraw a portion/interest only and growth continues.
Retain all and let it grow at an average of 10% Yearly.
Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.
This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.
The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.
