kaiser Healthcare

Ano ang meron kay kaiser?👇👇👇
Ito ang dahilan bakit milyon milyon na Pilipino ang may KAISER . 🥰

WHY KAISER IS THE BEST investment to START? 💙

Save only for 7 years, maturity period is on the 20th year.
Can be covered by healthcare kahit 100 yrs old ka na!

ANO BA ANG KAISER LONGTERM HEALTHCARE?
Ito ay 3 in 1 product.
Meron healthcare + insurance + investment.

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit mo man or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may masamang mangyari sa policy holder.

✔Waived na ang payment kung mamatay o ma totally disabled ang 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.

✔Portion of the fund is invested in Mutual Funds.

✔Good 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 projected ng 10% rate of returns (compounded) annually.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!

• Sino ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap.

• 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"

Need a long term healthcare investment?

Start your Kaiser 3in1 Long Term Healthcare now.
MESSAGE US for more details and free qoutation.

Is VUL a healthcare or HMO?

I would like to clarify things about the misconception of the difference between this two type of insurance.

If you need healthcare or HMO because you are after of immediate hospitalization na kapag ma hospital Tayo even minor illness walang down payment at makatulong ang ating HMO automatic before discharge pang bayad sa ating hospital bills well we need an HMO not VUL .

Note if the insurance you avail is not stated here from Insurance Commission website under list of HEALTH MAINTENANCE ORGANIZATION (HMO)well you got the wrong product meaning it's not an HMO it's a VUL. So better read your policy.

Kaiser International HealthGroup, Inc. is number 16 in the list of HEALTH MAINTENANCE ORGANIZATION or HMO from Insurance Commission website as of April 2025 records 👉.https://www.insurance.gov.ph/health-maintenance-organizations/

If you want to know more about Kaiser long term Healthcare .MESSAGE ME or CLICK HERE FOR MORE DETAILS ( Kaiser) 👇👇👇
https://bit.ly/Kaiserhealthbuilder

ANG TUNAY NA DAHILAN NG PAGTITIWALA SA KAISER
Hindi ito usapin ng karangyaan; ito ay usapin ng responsibilidad at pagmamahal sa pamilya.

Ayaw Maging Pasanin:
Ang pangunahing motibasyon ay ang takot na mabaon sa utang ang pamilya kapag dumating ang matinding sakit.

Alay na Sakripisyo:
Ang buwanang hulog ay galing sa pagtitipid at pagbabawas ng sariling luho ngayon para sa siguradong bukas.

Peace of Mind:
Mas pipiliin nilang magbayad ng premium ngayon kaysa makitang nagmamakaawa ang pamilya sa ibang tao para sa hospital bills.

Edukasyong Pinansyal:
Sila ang mga indibidwal na natuto sa mga maling karanasan ng nakaraan at gustong putulin ang siklo ng kahirapan.

📩 Huwag ng magpatumpik-tumpik pa

“May HMO naman ako sa company…”
Pero paano kapag:
❓ Nag-retire ka na?
❓ Lumipat ka ng work?
❓ O hindi na covered ang kailangan mong treatment?
Doon pumapasok ang halaga ng sariling healthcare protection.

💙 Kaiser Long Term Care gives you more than ordinary HMO coverage because it combines:
✨ Healthcare
✨ Insurance
✨ Investment
Habang may HMO ka pa sa trabaho, may chance pang lumago ang savings mo kung hindi ginagamit sa pagpapagamot.
Kaya hindi lang ito gastos —
Ito ay paghahanda para sa future self mo at sa pamilya mo.
✔️ Flexible payment options
✔️ Worldwide coverage
✔️ Long-term protection hanggang retirement
Habang maaga, mas maraming advantages.

📩 Message me today for a FREE personalized quotation.

OFW KaBa?
𝗖𝗢𝗩𝗘𝗥𝗘𝗗 𝗡𝗔 𝗡𝗚 𝗞𝗔𝗜𝗦𝗘𝗥 𝗟𝗢𝗡𝗚-𝗧𝗘𝗥𝗠 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 𝗔𝗡𝗚 PAGIGING MASINOP.
𝐀𝐍𝐎 𝐏𝐀 𝐁𝐀 𝐀𝐍𝐆 𝐌𝐆𝐀 𝐁𝐄𝐍𝐄𝐏𝐈𝐒𝐘𝐎 𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐎𝐍𝐆 𝐓𝐄𝐑𝐌 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄?
Sa 𝗣𝗵𝗶𝗹𝗵𝗲𝗮𝗹𝘁𝗵 hanggang 60 years old tayo magrerenew pero sa 𝗞𝗔𝗜𝗦𝗘𝗥, 7years ka lang mag-iipon. Mabuhay ka man hanggang 100 years old may healthcare ka pa rin.
𝟯-𝗶𝗻-𝟭 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗣𝗹𝗮𝗻 kaya may peace of mind ka. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 + 𝗧𝗘𝗥𝗠 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 + 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝐓 ka na.
𝗔𝗗𝗩𝗔𝗡𝗧𝗔𝗚𝗘𝗦 𝗡𝗚 𝗞𝗔𝗜𝗦𝗘𝗥:
✅𝗩𝗘𝗥𝗬 𝗔𝗙𝗙𝗢𝗥𝗗𝗔𝗕𝗟𝗘. 7 years mo lang babayaran at covered ka na while paying period palang.
✅𝗗𝗜𝗥𝗘𝗖𝗧 𝗙𝗥𝗢𝗠 𝗧𝗛𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬. Mura kasi walang ahente dahil ikaw mismo ang ahente sa sarili mo kaya makakamura ka.
✅𝗥𝗢𝗢𝗠 𝗔𝗖𝗖𝗢𝗠𝗠𝗢𝗗𝗔𝗧𝗜𝗢𝗡. Sagot ang hospital bills mo including room accommodation kahit ilang buwan kapa. Uuwi kang may ngiti sa labi at walang iniisip na utang.
✅𝗙𝗥𝗘𝗘 𝗔𝗡𝗡𝗨𝗔𝗟 𝗣𝗛𝗬𝗦𝗜𝗖𝗔𝗟 𝗔𝗡𝗗 𝗗𝗘𝗡𝗧𝗔𝗟 𝗖𝗛𝗘𝗖𝗞 𝗨𝗣. After ng 1 year na pagbabayad entitled ka na sa LIBRENG checkup.
✅𝗙𝗜𝗫𝗘𝗗 𝗣𝗥𝗘𝗠𝗜𝗨𝗠 𝗔𝗠𝗢𝗨𝗡𝗧. The day na pag-sign mo ng policy mo sa KAISER, kung ilan ang amount na nakalagay, yun lang din ang babayaran hanggang 7 years. Hindi na siya madadagdagan.
✅𝗟𝗢𝗡𝗚 𝗧𝗘𝗥𝗠 𝗖𝗔𝗥𝗘 𝗕𝗢𝗡𝗨𝗦. Kapag di mo nagamit ang policy mo while paying period, ibabalik sayo ang 𝟴𝟱% na binayad mo on your maturity date. So making it like 𝗖𝗢𝗦𝗧 𝗙𝗥𝗘𝗘.
✅𝗢𝗡𝗟𝗜𝗡𝗘 𝗔𝗖𝗖𝗢𝗨𝗡𝗧. Meron kang sarili mong account kung saan mamomonitor mo ang payment mo.
𝗞𝗔𝗜𝗦𝗘𝗥 𝗜𝗡𝗧𝗘𝗥𝗡𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗛𝗘𝗔𝗟𝗧𝗛𝗚𝗥𝗢𝗨𝗣 𝗜𝗡𝗖. 𝖳𝗁𝖾 𝖥𝗂𝗋𝗌𝗍 𝖭𝖺𝗆𝖾 𝗂𝗇 𝖧𝖾𝖺𝗅𝗍𝗁𝖼𝖺re

Bakit ang Kaiser Long Term HMO ang isa sa pinakamagandang healthcare plans para sa’yo at sa pamilya mo? 💙

Dahil ito ay isang 3-in-1 plan na nagbibigay ng mas kumpletong proteksyon para sa iyong kinabukasan:
✨ Healthcare – Tulong sa hospital bills kapag nagkasakit, kaya mas panatag ang loob.
✨ Insurance – May maiiwang financial benefit para sa pamilya kung may hindi inaasahang mangyari.
✨ Investment – Ang naipon mong pera ay may pagkakataong lumago sa pagdaan ng panahon, kaya may pondo ka sa pagtanda.

Sa Kaiser Long Term Care, peace of mind ang hatid sa’yo:
✔️ Abot-kayang premium depende sa edad
✔️ Flexible payment terms – annual, semi-annual, quarterly, monthly, o spot cash
✔️ 7 years to pay, with long-term protection hanggang retirement
✔️ Habang may HMO benefits ka sa trabaho, puwedeng patuloy lumago ang savings mo kung hindi ginagamit sa pagpapagamot
✔️ Available worldwide – saan ka man naroroon

✅ Para sa edad 10 hanggang 60 years old
💙 For as low as ₱88/day ( for Ages 10- 40 y.o )

📩 Message me for a free quotation based on your age.

We always tend to say "PAG NAKALUWAG LUWAG NA SAKA NA AKO MAGSESAVE OR MAG- IINVEST."

I totally agree. Mahirap talaga magbudget lalo pa kung di ganun kalaki ang sahod.

But I've heard and read a lot of business icons and articles that "YOUR SALARY DOESNT MATTER" in terms of investing/saving. Kahit gaano pa kalaki ang sahod mo "IF YOU DONT KNOW HOW TO USE IT WISELY", wala rin.

Isa pang fact ng buhay ay habang lumalaki sahod mo, lumalaki din gastos mo. Dati hindi ka nagtatravel, ngayon mahigit tatlong beses kang magtravel sa loob ng isang taon.

Kung noon padownload download lang tayo sa youtube to mp3, ngayon nakapremium na sa spotify.

Dati pahingi hingi lang ng downloaded movies and series, ngayon netflix na din.

As we work harder, madami na din tayong responsibilities.

If you can SPEND a portion of your money sa mga bagay na nagpapasaya sayo bakit hindi din sa bagay na tutulong sayo at sa family mu sa future lalo na kung malaki mga pangarap mo. 🙂

Ikaw, kailan k MAGSESAVE?

Tara usap tau. 😊



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𝗧𝗢𝗧𝗢𝗢 𝗬𝗔𝗡!
Sa isang malubhang pagkakasakit o aksidente, ang milyun-milyong pisong naipon mo nang ilang dekada ay pwedeng maglaho sa loob lang ng ilang araw dahil sa ICU, operasyon, at gamot.

Narito ang ilang paraan para maprotektahan mo ang iyong ipon mula sa biglaang medical bills:

𝗠𝗮𝘅 𝗼𝘂𝘁 𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵:
Siguraduhing active ang hulog para may awtomatikong bawas sa hospital bill.

𝗞𝘂𝗺𝘂𝗵𝗮 𝗻𝗴 𝗛𝗠𝗢:
Magkaroon ng health card (gaya ng Kaiser, Short term o Long Term) para sa mga karaniwang pagkakasakit at check-up.


💎 𝗔𝗻𝗴 "𝗦𝗲𝗰𝗿𝗲𝘁 𝗦𝗮𝘂𝗰𝗲": 𝗞𝗮𝗶𝘀𝗲𝗿 𝟯-𝗶𝗻-𝟭 𝗣𝗹𝗮𝗻
Ang Kaiser Ultimate Health Builder ay hindi lang basta HMO; ito ay may tatlong sangkap:

𝟭. 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 (𝗦𝗵𝗼𝗿𝘁-𝘁𝗲𝗿𝗺 𝗮𝘁 𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺):
May magagamit ka habang nagbabayad (7 years) at mas malaking pondo para sa iyong pagtanda (retiree years).

𝟮. 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:
Kung sakaling may mangyari sa plan holder, ang pamilya ang makikinabang. Hindi sila maiiwang "nganga."

𝟯. 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁:
Ang iyong binabayad ay lumalago sa pamamagitan ng Strategic Growth Fund para maging cash pagdating ng panahon.

𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:
Kumuha ng insurance na nagbibigay ng cash kapag na-diagnose ng cancer, stroke, o heart attack.

𝗘𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗙𝘂𝗻𝗱:
Magtabi ng pera na hiwalay sa iyong long-term savings na para lamang sa biglaang medikal na pangangailangan.

Salamat, Kaiser, dahil nasa iyo na ang kumpletong solusyon para sa aming pangangailangan.👍❤️




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𝗣𝗔𝗡𝗦𝗜𝗡 𝗠𝗢 𝗕𝗔 𝗞𝗔𝗛𝗜𝗧 𝗠𝗔𝗬 𝗠𝗔𝗟𝗔𝗞𝗜 𝗞𝗔𝗡𝗚 𝗦𝗔𝗛𝗢𝗗
Parang wala ka pa ring naiipon o emergency fund?

Hindi naman laging sa laki ng kita ang problema. Minsan, sa dami ng pinaglalabasan ng pera. Inflation, daily expenses, at yung mga distractions na unti-unting kumakain ng budget.

Hanggang sa isang araw, emergency na pala ang dumating, pero wala kang backup.

This is a reminder na dapat marunong tayong mag-prioritize.

𝗨𝗻𝗮𝗵𝗶𝗻 𝗮𝗻𝗴 𝗽𝗶𝗻𝗮𝗸𝗮𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁𝗲 𝘀𝗮 𝗹𝗮𝗵𝗮𝘁.
𝗔𝗻𝗴 𝗛𝗘𝗔𝗟𝗧𝗛 𝗺𝗼.
𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗶𝘁 𝗮𝘁 𝗮𝗹𝗹 𝗰𝗼𝘀𝘁.

𝗔𝗗𝗩𝗔𝗡𝗧𝗔𝗚𝗘 𝗡𝗚 𝗞𝗔𝗜𝗦𝗘𝗥 𝗟𝗢𝗡𝗚𝗧𝗘𝗥𝗠 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘:

𝗩𝗘𝗥𝗬 𝗔𝗙𝗙𝗢𝗥𝗗𝗔𝗕𝗟𝗘:
7 years mo lang babayaran sa iba 10 to 20 years. Kung may 5 years man masyadong mahal, wala pang healthcare yun.

𝗛𝗜𝗡𝗗𝗜 𝗣𝗥𝗢𝗕𝗟𝗘𝗠𝗔 𝗔𝗡𝗚 𝗣𝗔𝗚-𝗔𝗗𝗠𝗜𝗧 𝗠𝗢 𝗦𝗔 𝗢𝗦𝗣𝗜𝗧𝗔𝗟:
Magagamit mo ito dahil may kaiser e-card ka at dapat active ang policy mo, provided at least 1-year ka ng nag-iipon thru Kaiser.

𝗕𝗔𝗦𝗜𝗖 𝗠𝗘𝗗𝗜𝗖𝗔𝗟 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦:
Free annual physical examination, chest x-ray, routine fecalysis, routine urinalysis, complete blood count, ECG, pap smear, dental benefits, etc.

𝗙𝗜𝗫𝗘𝗗 𝗔𝗡𝗚 𝗔𝗠𝗢𝗨𝗡𝗧:
Kung ano ang inumpisahan mo, fixed na sya for 7-yrs hindi mag babago kahit nagkaka-edad ka.

𝗠𝗘𝗥𝗢𝗡 𝗙𝗔𝗠𝗜𝗟𝗬 𝗔𝗦𝗦𝗜𝗦𝗧𝗔𝗡𝗖𝗘:
Maaari mong ipagamit sa immediate family mong nagkasakit. hindi mo kailangan mangutang nang pang deposit sa hospital - this is subject for kaiser approval *

𝗧𝗥𝗔𝗡𝗦𝗙𝗘𝗥𝗔𝗕𝗟𝗘:
Maari itong ma-transfer upon death, hindi magiging mabigat financially sa family ang pag-kawala mo at pagdating ng maturity makakakuha ang iyong beneficiary ng malaking pera galing sa investment mo.

Usap tayo🤗

Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 𝗶𝗻 𝗼𝗻𝗲 𝗽𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘, 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 at 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 ka na.
The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼𝗻 na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?

It’s 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:

1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.

2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
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:
✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- 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.
✔Additional health benefits when the market is at top performance.
✔ 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.

Message me to get started.