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Benefits of Long Term Healthcare

Ang Kaiser Ultimate at 3-in-1 financial solution

Basically ang Kaiser ay 3-in-1 health savings program,
Ito ay life insurance to protect your family if you die too soon
Ito ay healthcare to protect your health if you get sick
Ito ay investment to protect your future if you live long.

Siempre ang primary purpose natin sa Kaiser ay healthcare.

Pagkatapos noon

1. mayroon na tayong pre-paid, consumable healthcare.
2. Ito ay may accumulation health benefits with interest sa year 8 to 20.
3. At tuloy tuloy pa ang interest after 20 years!

Ang healthcare benefits nito, pwede magamit maski 100+ years old!

1

Healthcare Benefits

Alam mo ba na mayroong six healthcare benefits ang Kaiser?

1. health insurance
2. FREE Annual Physical Exam
3. FREE Dental Care
4. Pre-paid, consumable healthcare
5. Accumulation of health benefits
6. Healthcare benefits that can be used until 100+ years old

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2

Insurance Benefits

Maski life insurance benefits lang ang tingnan, it is one of the best life insurance solutions today!

There are six insurance benefits of Kaiser:

1. life insurance
2. accidental death and dismemberment
3. waiver of premium on death
4. waiver of premium on total and permanent disability
5. health insurance
6. early maturity after 20 years

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3

Investment Benefits

May 7 investment benefits ang Kaiser:

1. accumulation of health benefits with interest
2. long term healthcare on maturity
3. return of premium (money back) on maturity, for non-utilization
4. guaranteed 3% to 10% growth during extended period ( years 8 to 20 )
5. early maturity after 20 years
6. guaranteed growth during longterm care period
7. option to use interest as pension

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Ang Kaiser Ultimate ay nag-babago ng benefits

1

Accumulation Period

SA FIRST 7 YEARS, TAYO AY NAGBABAYAD.

1. May FREE benefits tayo na
   • health insurance
   • libreng (FREE) annual physical exam (APE) *
   • libreng (FREE) dental care *
2. May health insurance din tayo na magagamit sa inpatient benefits. Hindi ito free
3. Para sa eligible planholder
   • May term insurance (for 20 years)
   • with waiver of premium benefits (for 7 years)
   • para sa K100 plan, ang accident insurance ay ₱450k

* available after payment of one year of premiums

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2

Extended Period

PARA SA YEARS 8 - 20, EXTENDED CARE PERIOD

1. Tuloy pa rin ang term insurance (if eligible) at accident insurance
2. Magbi-build na ang health fund mo.
   • may annual health benefits
   • may additional health benefits
   • may 3-10% growth ng unused health benefits
   • para sa K100, ang annual health benefits ay ₱10k
   • para sa K100, ang additional health benefits ay ₱11k - ₱32k

   Sinasabi na 3-10% ang interest nito, ibig sabihin

   • 3% ang minimum na interest (guaranteed)
   • 10% ang planned interest (hindi guaranteed)

   Kung hindi maibibigay for the year ang 10%, gagawa ng announcement ang Kaiser na hindi maibibigay ang 10%.

   Mula 2004, hindi pa nag-announce ang Kaiser na hindi maibibigay ang 10%. Nagdaan ang maraming financial crisis, tuloy tuloy na naibibigay ni Kaiser ang 10%.

   Kaya sa K100, ang growth ng health fund ay eksaktong yung nasa illustration (assuming walang utilization)

   • end of year 8, ₱43k
   • end of year 9, ₱69k
   • ...
   • end of year 20, ₱716k
3. 3. Pwedeng ma-"withdraw", ang health fund:
   • through "utilization", pwede gamitin sa healthcare (consultation, hospitalization, etc)
   • hindi pwede withdraw as cash

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3

Maturity

Ang maturity ng Kaiser Ultimate Health Builder ay makaraan ng 20 taon.
Pinakakahintay na panahon para sa planholders. Technically tapos na ang kontrata ng Kaiser Ultimate, pero mayroon tayong stardard na offer para sa plan holder para i-withdraw ang health fund ( not advisable ) o iwan sa Kaiser para long term healthcare fund para sa future healthcare needs.

1. Magmature na ang plan!
   • may dagdag na health benefits
   • pwede na i-withdraw as cash
2. Long term healthcare
   • May long term healthcare na idadagdag sa health fund!
   • Sa K100, ito ay ₱100k
3. Return of premium.

   Kung hindi ginamit ang health insurance sa years 0-7, may return of premium. Sa K100, ito ay ₱350k

   Kaya ang maturity value (assuming no utilization ) kung K100

   • ₱716k health fund
   • ₱100k long term healthcare
   • ₱350k return of premium
   • Total ₱1,166,169

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4

Long Term Care period

AFTER 20 YEARS, LONG TERM CARE PERIOD

Ano ang mangyayari makalampas ng 20 years?
May at least 2 maturity options tayo

1. Pwede i-withdraw ang healthfund in full
   • kung zero utilization, ang PLANNED check amount para sa K100 ay ₱1,166,169
   • wala nang long term healthcare
2. Pwedeng up to 50% ang i-withdraw
   • ang "sukli" magagamit sa long term healthcare
   • Recommended na huwag mag-withdraw at i-reserve ang pera sa healthcare. Ang healthcare fund ay lalaki pa rin sa Kaiser PDF, kung saan ito ay may guaranteed non-negative growth, na expected rate ay 10% pa rin.

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