Kaiser 3in1 Healthcare

You have been too generous to other people that you forgot your own self. How about, i treat nimo imong self this time. 🥰🥰

Reward yourself more than pa sa buwak, chocolates and balloons. This gift will ensure you lifetime healthcare, an Income Protection and a Mutual Fund Investment for your comfortable retirement.

Healthcare is the most neglected SAVINGS yet the most important sa panahon na needed na.

Get this while your healthy, young and able.

Message me to get your free qoutation.
We can schedule zoom orientation or f2f. 💕

Happy Valentines!

Sir Jeffrey D. Paasa is the President of DAREA Misamis Oriental & Camiguin Chapter, also the Vice-Chairperson for Mindanao - DAREA National got his Kaiser K50 3in1 Savings Plan.

Wala palang nagsugod among discussion about Kaiser, fixed na iyang mind to secure his savings for future use, nganu man?

✅He understood that getting a healthcare is a must
✅He understood that sacrificing to save for 7 years will give him 3-in-1 Savings Plan.
✅He will have his Value for money, as he will have the lifetime coverage and return of investment on maturity and can be extended until he plans to withdraw his investment tapos naa pa syay healthcare.
✅at age 57, naa na syay matured plan. Wapa sya ning retire pero naa na syay pwede ipension.

See? their is a difference between knowing where and how to save.

Our income, position, work are all temporary- when time comes that we are no longer able to work, we dont want to be a burden to our family.

Congratulations Sir Jeffrey, Thank you for letting me visit your good office.

Cheers to a happy and comfortable future 🎉👏

Congratulations to the employees of Department of Agrarian Reform - Misamis Oriental and Camiguin Chapter.

Kaiser has 3 types of healthcare, 1. Senior Care 2. Longterm Care 3. Short term care

The employees of DAR understood the importance of getting a healthcare as they have qouted “Maayu man tong naa tay HMO na magamit kay gastos masakit tapos wala ta kaandam”.

Naanad sila sa Short term HMO kay mao man usually ang ilang package everyyear, however they also appreciated to learn the Longterm care package wherein they will just save for a couple of years and be covered lifetime.

They also got their Free 20,000 PAI as a token of appreciation for their time.

Thank you so much DAREA MisOr & Camiguin. I am honored to visit your office.

Kaiser vs VUL
Hindi naman comparable ang dalawa.

Ang Kaiser ay usually 3-in-1 (healthcare, life insurance, investment)
Ang VUL ay usually 2-in-1 (life insurance, investment)

Ang Kaiser may guaranteed investment value
Ang VUL walang guarantee ang investment,

Ibig sabihin:
Ang health fund ng Kaiser laging lumalaki.
Ang fund value ng VUL, maaring lumalaki, pero maari ring lumiliit.

Ang fully paid na Kaiser, ay fully paid.
Ang "fully paid" na VUL ay never fully paid, at maaring mawala.

Ang Kaiser, may CERTIFICATE OF FULL PAYMENT (CFP)
Ang VUL, walang CFP at walang tigil ang insurance charges.

Ang Kaiser pwedeng kunin na protection plan ng nasa abroad.
Ang VUL hindi pwedeng kunin ng protection plan ng nasa abroad.

Ang Kaiser ay zero charges, guaranteed 7 years pay only.
Ang VUL, kunwari walang bayad, pero actually habangbuhay ang bayad.

Ang Kaiser ay designed para sa living benefits, definitely for long term healthcare, maaring gamit ng buhay na tao maski 100+ years old. Gagamitin mo sa healthcare (doctor consultation, hospitalization). Pambayad sa doctor at ospital.

Ang VUL, ay minsan may health cash benefits na para sa malapit na mamatay (critical illness, etc). Cash pag nag-redeem ng fund value.

Ang Kaiser ay may planned use strategy, na pre-paid, consumable optimized for living benefits
pay when young and health
use when old and sickly

Ang VUL open ended ang strategy, na best para sa death benefits.

Ang Kaiser, maari mo ma-collect ang benefits gamit ang Kaiser Visa Debit kung nasa ibang bansa ka.

Ang VUL, sa Pilipinas mo lang maaring ma-collect.

Ang Kaiser ay may maturity after 20 years, siguradong may tubo!
Ang VUL ay walang maturity at hindi sigurado. Kung maswerte, break even after 10 - 15 years.

Ang whole life insurance, ang maturity at age 100.

In many cases
Kaiser is better than VUL.

Pero may special cases na maganda ang special VULs. Halimbawa, kung ang purpose mo ay memorial plan tax, mas maganda ang regular pay VUL kaysa Kaiser.

Hindi ka magtatanong ng tungkol sa kotse, sa hindi pa nakakasakay ng kotse.

Huwag magtanong at maniwala sa mga misrepresentation ng hindi nakakaintindi, at walang Kaiser Ultimate.

The best Kaiser HMO 3in1 healthcare
Better for the future 3in1 insurance.

Kung gusto mo mag-invest KAISER IS THE BEST! 😊

ANO BA ANG KAISER LONGTERM HEALTHCARE???

Ang Kaiser Longterm healthcare ay 3 in 1.
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 muman 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 nangyari sa policy holder.

✔Waived 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.

✔Nakainvest 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.

✔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 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!

✔In case of emergency, pwede magamit as family assistance.

• Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap basta healthy ay qualified.

• 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"

“Hi Jon, Meron naman akong X Insurance, okey na ako nito”

Alam mo bang magka-iba ang “Insurance at Healthcare”?

Ang Insurance ay magagamit ng pamilya mo sakaling meron mangyari sa Policy Holder.

Samantalang ang Healthcare ay magagamit mo sa panahon na kelangan natin ng medical/hospital assistance.

The beauty with KAISER LONG TERMCARE dahil
3-in-1 na;

✅HEATHCARE- Magagamit mo sa hospital
✅INSURANCE- If God calls us home, meron maiiwan sa family
✅INVESTMENT- If we live too long, hindi tayu magiging burden sa pamilya natin

Kelan ba perfect time sa pagSave ng Kaiser?
“ANG ORAS NA TUMATAKBO NGAYUN, Opo, NGAYUN PO”

Ngayun habang
✅YOUNG & HEALTHY -dahil when you get sick, hindi kana pweke makakuha ng healthcare at habang bata mas mataas ang chance na ma-approve ang policy.

✅ACTIVE INCOME- dahil paano tayo makakapagsave kung wala tayong income?!

Remember, to pay yourself first. Decide something today that your future self will thank you for.

Send me a message m.me/eferlopez for FREE qoutation

Walang photoshop! Walang edit!

Totoo po yan!
.. na Guaranteed ang Maturity Benefit na matatanggap ng lahat ng mga 3-in-1 Longterm Care Planholders.

At dahil ito ang the "Complete Healthcare Plan " - planholders have the benefits or options of the following:

1. Savings plan with Money-Back with Interest
2. Retirement Benefits
3. Pension Benefits
4. Investment/Savings (future funds, projects, child education)
5. Life Insurance (Death benefit)
6. Accidental Death Benefit
7. Waiver of Installment due to death or disability
8. Transferable Healthcare benefits upon death of planholder
9. Assign up to 4 Beneficiaries
10. No negative cash value
11. Lifetime Healthcare Access with FREE yearly medical exam*
12. Hospitalization (access to over 500+ Private
hospitals and medical facilities)
13. Tax-free Investment
14. Applicable Age 10 to 60 years old (applicants)
15. Multiple policy (get 2nd or 3rd after full payment)
16. Pay in one time spot cash premium (bigger retirement benefit)
17. Also available to pay in Monthly, Quarterly, Semi-Annual, Annual Premium
18. Fixed Premium within Paying Period (no increase within 7 years contribution)
19. Online policy management system and online application
20. E-Certificate of Full Payment
21. OFWs can apply and get covered
22. Savings Reward benefits (if no utilization of hospitalization)

(parang hinihingal ka yata sa pag babasa ng benefits 🙂 )

O, cge, Message ka lang ha!

Sure win ito para sa present at future mo at ng pamilya mo!

Remember this:
We need healthcare the most when we are old, but we can only apply for healthcare when we are young and healthy!

So sa mga wala pang Complete Healthcare Plan - inquire and get yours today!

Credit Jess Faller

Kung ikaw ay 25 years old, posibleng magkaroon ng P2.1M at age 60. Save a minimum of P2,647/month for 7years with your Ultimate Kaiser Health Builder (Long Term Healthcare) Plan.

Ultimate Kaiser Health Builder is a 3in1 Savings Plan:
1. Long Term Healthcare
2. Insurance
3. Investment

Open to ages 10-60 years old.

Protect yourself and your family. Remember, One sickness away can wipe all your savings. Be prepared.

Start your Long Term Healthcare NOW!
Message me for FREE Qoutation

MISSION DELIVERED! ❤️❤️❤️

Another family has claimed the insurance benefit from KAISER!
Our IMG member Grace has a big heart in securing her family's future. She got a Kaiser 3in1 savings plan for her family, especially for her father. She sacrificed her extra money every month for the last 3 years just to ensure that their savings plan is consistently paid.
Sadly, her father passed away this year due to a vehicular accident. They completed and submitted the documents to Kaiser para sa claims sa insurance benefits in August, and in September the checks were released promptly.

Sobrang bilis ng approval ng claim, nakaka-amaze ka Kaiser! ❤️
***
Hindi naman natin hangad na mawalan ng kapamilya, at lalong ayaw nating mawala ng maaga. But ito yong reality, hindi natin hawak ang buhay, anytime, pwede tayong kunin ni Lord.

Ang big question is ready na ba tayo financially? May maiiwan ba tayo sa ating pamilya kung sakaling kunin na tayo ni Lord?

For more details, message me m.me/eferlopez

Sa Pelikulang REWIND ⏮️ natutunan natin ang
pahalagahan ang ating mga mahal sa buhay at
pahalagahan ang oras na tumatakbo ngayun.

Alam mo bang dapat mo din maintindihan na ang pagkakaroon ng Protection- Long Term Healthcare at Investment ay napa-importanteng bagay na dapat mong pagtuonan ng pansin habang kakampi pa natin ang panahon.

Tandaan, Hindi forever na kaya nating kumita ng pera. Hindi forever ang pagiging OFW.

We are not getting any younger. 😊

To know more about building your solid financial foundation, send us a message. 📧

Meet one of our major partner!

LongTerm HealthCare (LTC) by Kaiser International Healthgroup, Inc.

Kaiser International Health Group, Inc. is duly registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser is positioned to address the long-term health care needs of individuals---especially after their employment and retirement years.
In the Philippines, Kaiser International Healthgroup, Inc. is the sole provider of LongTerm HealthCare (LTC).

Kaiser LTC is a 3-in-1 health savings program that solves the 3 basic financial needs of Filipinos: Investment, Life Insurance, and HealthCare Funds.
How does LTC work?
Kaiser LTC health savings program has 3 phases: Saving Period, Compounding Period, and Maturity

1. Saving Period (7-year paying period). This is the phase where the plan holder is made to save for 7 years only.
During this period, the plan holder gets to enjoy the following benefits and privileges:
✔️ Annual Physical Exam (APE)
✔️ Basic Dental Benefits
✔️ Waiver of installments due to death
✔️ Waiver of installments due to disability
✔️ Basic Medical Benefits
✔️ In-Patient Care Benefits (Hospitalization)
✔️ Term Life Insurance, for 20 years
✔️ Earn dividends on your contributions

2. Compounding Period (13-year growth & accumulation of health funds). During this phase, you no longer pay for your Kaiser LTC.
✔️ At this stage, your health funds (plus the accumulated Dividends from the Saving Period), are strategically invested in the Stock Market (thru Mutual Funds). Thus, empowering your investment to grow at ave. 10% per annum.
✔️ Your medical benefits are basically similar to those in the Paying Period---but this time, payments for medical-related expenses shall be taken cared of by your available funds under compounding or accumulation.
✔️ You get additional health benefits
✔️ VISA Card shall be issued after completion of 7-year contribution
3. Maturity (On the 20th year, and beyond)
Upon Maturity of your Kaiser LTC, you will enjoy the following benefits:
✔️ Total accumulation of unused health benefits
✔️ LongTermCare Benefit
✔️ LongTermCare Bonus (Up to 85% of return on premium contributed when there are no claims from hospitalization during the Paying Period)
• Your health funds shall be As Good as Cash!
• You now have 3 options: Withdraw all your money (option to close your Kaiser LTC account); or Withdraw a portion of your matured funds; or Let your funds be fully invested with Kaiser to serve as your lifetime healthcare fund and retirement money.
• Whatever amount that remains in your Kaiser LTC health fund shall continue to grow at ave. of 10% per year.
The beauty of Kaiser's Long-term Healthcare program is that, when a you get sick, it serves as your health fund. Otherwise, it becomes your savings. You get rewarded for being healthy and staying healthy!
Furthermore, your Kaiser LTC can cover your healthcare needs even beyond age 60 (as long as you allow enough funds to continue to grow with Kaiser). Unlike in traditional HMOs where if the person who pays for it ever year doesn’t get sick, there will be no return of premium.
That's Investment, Life Insurance, and Healthcare Funds---all in one amazing and affordable investment plan for you and for your family!
** IMG (International Marketing Group) is the exclusive distributor-partner of Kaiser International Healthgroup, Inc.
Message us for more details! 🙂
**Below are some of the corporate accounts wherein Kaiser as their Healthcare provider

Mission Delivered!!

Another family ang naka-claim ng Insurance benefit from Kaiser. Isang OFW from Hong Kong got her Kaiser Core Policy last 2008, she died last 2020 due to Breast Cancer.

Unfortunately, hindi alam ng family paano iclaim ang benefit until they saw a post of their cousin who just recently joined IMG. With the assistance of MD Glazel Grace Borja -Fajardo and SMD Jonnifer Lopez who personally went to Kaiser International Healthgroup Head office to inquire about the Policy of the deceased member since it has been 3 years from her demise.

Kaiser International Healthgroup told the later that the family can claim the Insurance Benefit and the beneficiaries shall prepare the needed documents. The complete requirements was submitted August 2023 and on September last week, the 2 beneficiaries received their Insurance claim thru their bank account and as for the 2 other beneficiaries ( minor and a senior citizen) who don’t have bank account; Kaiser International Healthgroup forwarded the cheque to IMG Butuan Financial Center to handle the award.

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Hindi madali ang mawalan ng mahal sa buhay lalo na at breadwinner pero ng dahil sa Insurance na naiwan ng namayapang policy holder alam nyang maipagpatuloy nyang suportahan ang pamilya kahit na sya ay nawala.

Ganun ka ganda ang Kaiser, meron tayung:

✅ Healthcare sakaling magkasakit
✅ Insurance sakaling God Calls us home and
✅ Investment- kaagapay hanggang pagtanda

Our mission is to help families educate the importance of preparation and managing hard-earned money.

‼️‼️PARENTS OF A 10 YEARS OLD‼️‼️

📍If you are a parent and you want to
secure your kids as early as 10years old.

Get your child a Kaiser Long Term Care. This can be withdrawn on the maturity period.

✅Start saving at 88Pesos/day
✅Healthcare + Insurance + Investment Coverage
✅Free Annual Physical Exam
✅Free Dental Benefit
✅Maternity coverage after 18yrs old onwards
✅Maturity Cash Benefit

Age 10- Start saving for 88Pesos/day
Age 18- Fully Paid Kaiser Plan (Pangregalo sa Debut)
Age 30 years old- Php 524,776 cash value
Age 60 years old- Php 9.1 Million

Save it like preparing for future expense.
Send us a message to learn more.

Magandang Buhay 😀

IF YOU CAN SACRIFICE 7 YEARS WORKING IN ABROAD/COMPANY, WHY NOT SACRIFICE 7 YRS OF SAVINGS?
GOOD RETURN, COMFORTABLE RETIREMENT LIFE AND COMFORTABLE HEALTH ASSISTANCE.

The beauty of having LONG TERM HEALTHCARE (Kaiser Health Builder)
1. When you get sick, it becomes your health fund.

2. When you're not sick, it becomes your Savings, Investment and Retirement Funds. It accumulated overtime.

3.When God calls you or when you die, it becomes your family's replacement income.

The only HMO that will give you peace of mind for the rest of your life.
Get your plan now! Dahil di natin hawak ang buhay. Die too soon or live long. Yan lang ang dalawang sigurado sa atin. Kaya dapat prepared tayo.

THE 3IN1 COMPLETE FINANCIAL

Your life! your choice! .. Wag mag aatubli sa pag invest at pag sasave dahil ito ay hindi nakakasama kundi magbibigay nga Magndang kinabukasan hindi lang sa iyong sarili Pati na rin sa iyong pamilya😊

lahat ay may paraan😉

Indeed😉saka ka na ba kikilos pag huli na ang lahat?.

Be proud of every step you have made in the right direction. You deserve nothing but the best and the time is coming. Keep going and get better each and every day.

Let the rest do whatever while you do whatever it takes. If you have a positive attitude and constantly strive to give your best effort, eventually you will overcome your immediate problems and find that you are ready for greatness. Stay positive, work hard and make it happen. You got this👌