Kaiser International Health Group

In uncertain times, we are reminded that protection matters - wherever we are in the world. 🌍 Grateful for systems that prepare families not only to build wealth, but also to stay protected.

To our IMG members in Qatar, Israel, UAE, Bahrain and other high-risk countries, please keep your portal active.

Keep safe and may God protect you from danger.

In uncertain times, we are reminded that protection matters - wherever we are in the world. 🌍 Grateful for systems that prepare families not only to build wealth, but also to stay protected.

To our IMG members in Qatar, Israel, UAE, Bahrain and other high-risk countries, please keep your portal active.

Keep safe and may God protect you from danger.

Ayaw ng HMO (Healthcare Maintenance Organization) kasi kumuha na ng VUL (Variable Universal Life) insurance with some riders.

Read to understand, bago kumuha intindihin. Lamang ang may alam.

Client: I don't need HMO because I already have VUL insurance and I am paying the CIB and HIB rider as well.

IMG Educator: That's good to hear Ma'am/Sir. But let me share some inputs if it's ok.

>>HMO covers all kinds of illnesses. Every time you get hospitalized for whatever reason, it pays the bill. Recommended.

>>CIB (Critical Illness Benefit) is good because it prepares us for the worst. But you can only use this if your health issue is on the critical illness list. Meaning, you can't claim if it's just a simple migraine or headache. It needs to be a "brain tumor" in order for you to get covered.

>>HIB (Hospital Income Benefit) is also good because it provides daily allowance during the insured's stay in the hospital. Normally around 1,000 or 2,000 per day depending on the premium you're paying. Let's just say you don't have an HMO, only HIB, you've been hospitalized due to severe diarrhea, you stayed in the hospital for 4 days but your bill is 50k because of the antibiotics, room and board, doctor's fees and other fees. HIB only covers 4k or 8k then. How about the remaining 46k? How can it help?

Client: Really? I didn't know that. I didn't read my policy.

IMG Educator: I'm not saying that you terminate your riders. I'm saying you need to understand what are those for. What are the limitations and how to fill those gaps in? No need to choose. Get them all if you can.

This is a concept our organization, IMG, is sharing to the community.

P.S. Sometimes HMO premiums are cheaper than these. (depending on age)

P. S. Kaiser is HMO

Tara usap Tayo! Message me.
📩 Coach Jeffry Escama Ungriano, AFP® 💙
🌏 https://257785ph.imgcorp.com/linkbio/
🔗 Messenger: https://m.me/jeffryungriano25
📱 WhatsApp: 0969 124 0957

𝗚𝗔𝗦𝗧𝗢𝗦 𝗻𝗮 𝘄𝗮𝗹𝗮𝗻𝗴 𝗧𝗔𝗣𝗢𝗡 𝗯𝗮 𝗮𝗻𝗴 𝗴𝘂𝘀𝘁𝗼 𝗺𝗼?

Kung gusto mo ng plan na may sagot 𝗻𝗴𝗮𝘆𝗼𝗻 at may sagot din sa 𝗳𝘂𝘁𝘂𝗿𝗲, meron ang 𝗞𝗮𝗶𝘀𝗲𝗿 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵𝗴𝗿𝗼𝘂𝗽.

💡 Let me help you understand the Kaiser 3-in-1 plan—isang solusyon na nagbibigay ng healthcare, life insurance, savings at investment sa iisang package.

📌 Usap tayo at libre lang registration — kaya walang mawawala, pero malaking tulong ang makukuha mo.

𝗣𝗮𝗿𝗮 𝘀𝗮 𝗱𝗲𝘁𝗮𝗹𝘆𝗲—message mo lang ako o Scan QR para sa Free Quotation.

📩 Coach Jeffry Escama Ungriano, AFP® 💙
🌏 https://257785ph.imgcorp.com/linkbio/
🔗 Messenger: https://m.me/jeffryungriano25
📱 WhatsApp: 0969 124 0957

Getting started doesn’t have to be complicated. 🩺

The Basic 5 Package covers essential health screenings to help you understand where you stand—simply, affordably, and efficiently. This February, take the first step toward better health.

Schedule your appointment through this link:
https://appointments.kaisermedcenter.com