Kaiser/IMG KnowledgeBase

𝗠𝗼𝘀𝘁 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗽𝗿𝗼𝗴𝗿𝗮𝗺𝘀 𝗮𝘃𝗼𝗶𝗱 𝗵𝗶𝗴𝗵-𝗿𝗶𝘀𝗸 𝗰𝗮𝘀𝗲𝘀.

But what happens when people already have medical conditions?

What about seniors?
* Pregnancy?
* Cancer?
* Stroke?
* Kidney disease?
* ICU cases?

The reality is:
these are the situations where families need protection the most.

Kaiser National Healthcare Shield for Government Groups is designed to provide extensive healthcare coverage, including consultation, diagnostics, and hospitalization for pre-existing conditions — INCLUDING dreaded diseases.

Coverage may include:
✔ Stroke
✔ Heart disease
✔ Diabetes complications
✔ Cancer and leukemia
✔ Kidney disease
✔ ICU confinement
✔ Dialysis cases
✔ And many more

Even pre-existing dreaded diseases are covered under the program provisions.

In fact, the agreement states that illnesses requiring intensive care and hospitalization may be included, with the only exclusion being self-inflicted injury.

This is comprehensive healthcare protection designed for real-life situations.

Because healthcare should not disappear when the need becomes serious.

Message us to learn more about Kaiser National Healthcare Shield for Government Groups.

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗜𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝗰𝗲
𝗜𝗻𝗰𝗹𝘂𝗱𝗲𝘀 𝗦𝗲𝗹𝗳-𝗥𝗲𝗹𝗶𝗮𝗻𝗰𝗲!

Many people think financial education is only about saving, investing, insurance, or increasing income.

But at IMG and Kaiser, we believe financial independence also includes self-reliance.

That means learning:
✔ how financial systems work
✔ how procedures work
✔ how to use tools like OPMS and ePay
✔ how to properly report and monitor concerns
✔ how to learn from the community

This is why we continuously provide:
📚 trainings
🎓 seminars
👥 community support groups
💻 online systems
🎫 ticketing systems like Freshdesk

We do not simply want members and customers to depend on agents for every concern.

We want people to become informed, capable, and confident in managing modern financial systems.

That is why we encourage members and customers to:
✅ learn procedures
✅ participate in the community
✅ understand systems
✅ use proper support channels
✅ become more independent over time

Because true financial independence is not only about money.

It is also about becoming capable, educated, and self-reliant.

NHS Member Guidelines and FAQ

Official documentation from Kaiser

Guidelines | KB Kaiser International Healthgroup Kaiser International Healthgroup Knowledge Base

Ang Kaiser ba ay VUL?

Ito ang isa sa pinaka-common na tanong na natatanggap ko.

At understandable naman bakit nalilito ang iba.

Kasi kapag very rough description lang ang tiningnan:

• VUL = life insurance + investment
• Kaiser Ultimate = healthcare + life insurance + investment

Mukhang magkapareho.

Pero kapag inintindi mo na ang actual purpose at structure nila, makikita mo na:

👉 Magkaibang-magkaiba talaga sila.

Ang VUL ay primarily:
✅ Life insurance solution
na may investment component

Ang Kaiser Ultimate ay primarily:
✅ Long-term healthcare solution
na may life insurance at investment component

Kaya nga ang Kaiser ay offered ng HMO company, hindi life insurance company.

At dito nagsisimula ang malaking difference.

Sa Kaiser Ultimate:
✅ “Pay 7 years” means
7 years ka lang talaga magbabayad, then fully paid na.

May Certificate of Full Payment pa.

Sa maraming VUL:
⚠️ “Pay 10 years” usually means projected payment period lang.

Depende pa rin sa performance ng fund at insurance charges kung sapat na. Posibleng kailangan pa maghulog later.

Sa Kaiser:
✅ guaranteed ang healthcare component
✅ guaranteed ang contract benefits
✅ guaranteed may health fund after full payment
✅ guaranteed fixed contract price
✅ guaranteed wala nang insurance charges after payment period

Sa VUL:
⚠️ investment performance is not guaranteed
⚠️ may tuloy-tuloy na insurance charges
⚠️ pwedeng lumiit o maubos ang fund value kapag mahina ang performance

Pero ang pinaka-importanteng difference ay ito:

🏥 Ang healthcare plan ay designed gamitin habang buhay ka pa.

🛡️ Ang life insurance plan ay designed mainly para sa maiiwan mong pamilya kapag may nangyari sa iyo.

Magkaiba sila ng purpose.

At dito nagiging very practical ang difference.

Kapag may medical emergency, ang healthcare plan tulad ng Kaiser ay designed para tumulong sa hospital admission at medical expenses.

Sa maraming cases, accredited hospitals can admit qualified members using healthcare coverage.

Samantalang ang life insurance — kahit pa malaki ang coverage o may investment component — is not designed to function as immediate hospital admission support.

Kahit may malaking VUL, malaking insurance coverage, o malaking pera sa bangko ang isang tao, maraming hospitals ang hihingi pa rin ng actual cash deposit bago mag-admit.

Kaya maraming Pilipino ang nalilito kapag iniisip nilang pareho lang ang healthcare at life insurance.

Hindi porke parehong may “investment”…
pareho na.

Parehong may purpose.
Parehong may tamang market.
Parehong may pwedeng maitulong sa tao.

Pero magkaiba sila.

Kung mas priority mo ang benefits habang buhay ka pa — especially healthcare — mas bagay unahin ang healthcare solution.

Kung mas priority mo ang malaking benefit para sa maiiwan mong pamilya kapag may nangyari sa iyo, mas bagay unahin ang life insurance.

Ang healthcare protects you habang buhay ka pa.
Ang life insurance protects the people you leave behind.

Kaya bago kumuha ng kahit anong financial product:
❌ Huwag lang tumingin sa projected earnings
❌ Huwag lang tumingin sa sales pitch

✅ Intindihin ang tunay na purpose
✅ Intindihin ang guarantees
✅ Intindihin ang risks
✅ Intindihin kung para saan talaga siya

Kasi ang pinakamahal na financial mistake…
ay bumili ng product na hindi pala tugma sa kailangan mo.

Kung gusto mong maintindihan kung para saan talaga ang Kaiser, VUL, HMO, term insurance, o ibang financial solutions…

message mo lang ako.

Mas magandang naiintindihan muna bago bumibili.

Filipinos pay up to 30x more for medicines than neighbors.
Sabi ito sa Bilyonaryo.com

Kailangan natin pag-usapan ang healthcare.
Maski hindi natin pakialaman ang gyera sa Iran, o impeachment.
Pag-usapan natin at sabihin sa ating government officials ang ating kailangan, like pababain ang halaga ng gamot.

Simple lang ito. Mas mura mag-maintenance medicine, kaysa ma-magbayad sa ospital, hindi ba?

Ang kailangan natin sa ating financial education, mas importante na babaan ang halaga ng pangangailangan, kasya taasan ang sweldo. Mas mura ang prevention, kaysa cure.

Walang sapat na sweldo sa disididong gumastos.

The easiest and fastest way to increase cashflow is not to increase income but to reduce expenses (siempre mas maganda ang increase income, pero mas immediate ang reduce expenses )

Lahat tayo mag-be-benefit sa lower costs and lower spending
* babaan ang halaga ng gamot
* babaan ang cost ng healthcare
* babaan ang taxes
* babaan ang cost ng transport

Personally, maraming pwede tipirin
* bawasan ang kain sa labas (magbaon)
* bawasan ang Starbucks at bottled water ( magbaon ng tubig )
* bawasan ang short walkable rides (mag-exerise)
* bawasan ang video calls (mas matipid ang audio calls)

hindi naman rocket science ang pag-titipid.
Pero on a national level, sabihin sa ating government leaders: work to make our medicines more affordable!
https://bilyonaryo.com/2026/04/15/price-of-health-filipinos-pay-up-to-30x-more-for-medicines-than-neighbors/health/

bilyonaryo.com

What if you have a Kaiser plan and you die too soon?

Ang balak natin sa long term healticare ay long term healthcare, i enjoy ang healthcare many years later, siguro in retirement, para happy and healthy tayo in old age.

pero kung may insurance benefits, sa unang hulog pa lang, insured na!

halimbawa (knock on wood), pagkakuha ng plan,nisang hulog pa lang, nasagasaan ng tricycle, namatay!

1. term insurance.
May makukuhang death benefits si beneficiaries. sa K100, ito ay P450,000.

2. Accident Insurance.
May makukuhang accidental death benefits si beneficiaries. sa K100, ito ay ADDITIONAL na P450,000.

3. Waiver of premium due to death.
ang health plan ay magiging fully paid, maski isang hulog pa lang. Ito ay ililipat sa primary beneficiary para siya ang mah enjoy ng healthcare at investment benefits.

kaya maski kunin ka ni Lord ng maaga, ma enjoy pa rin ng naiwang pamilya ang benefits ng plan mo.

ang insurance protection na ito ay para sa buong 20 years na 7 years accumulation period plus 13 years na extended care period.

AT HUWAG KALIMUTAN:
ang plan na lapsed (pag hindi nagbabayad within the grace period), ay walang benefits, kaya iwasan mag lapse ang plan;

https://youtu.be/lFWdw2Hapfw?si=Yc2i8EKubJWOA61S

Healthcare pang habangbuhay, at proteksyon sa buhay Basically, ang Kaiser ay 3-in-1 health savings program,Ito ay life insurance to protect your family if you die too soonIto ay healthcare to protect your hea...

Kulang ang iyong Kaiser Plan?

Kung kulang ang plan, medyo maliit, maari mong bilisan ang pagbabayad tapos kumuha ng additional plan.

Halimbawa ang plan mo K50, tapos na realize mo na dapat K100.

Maari mong bilisan ang pagbabayad ng iyong K50, tapusin in 3.5 years instead na 7 years.

Pagkatapos ng 3.5 years pag fully paid ka na sa unang K50, kumuha ka ng ikalawang K50.

Ang financial effect noon ay pareho ng K100, except mas mahaba ang accumulation period (magigng 10.5 years , kasi isang benefits ng isang plan sa first and last 3.5 years, at benefits ng 2 plan sa middle 3.5 years)

Most Filipinos prepare for retirement…
pero nakakalimutan ang pinakamahal na gastos: HOSPITAL.

Isang major illness lang
pwedeng ubusin ang ipon ng buong pamilya.

Kaya maraming financial educators ngayon ang nagsasabi:

Hindi sapat ang HMO lang
Hindi sapat ang insurance lang
Hindi rin sapat ang investment lang

You need all three.

That’s why many families are discovering the power of the 3-in-1 long-term healthcare plan from Kaiser International Healthgroup.

✅ Healthcare – coverage for hospitalization and medical needs
✅ Life Insurance – protection for your family if something happens to you
✅ Investment – a health fund you can use in the future

Unlike traditional HMOs that usually stop coverage around retirement age, long-term healthcare plans are designed to help protect you even during your senior years when medical costs are highest.

And the unique part?

You only build the fund for a limited period, but the benefits can support your healthcare needs for the long term, maski umabot ka ng age 100+

If you want to learn:
✔ How long-term healthcare works
✔ Why many families prepare for medical costs early
✔ How this 3-in-1 strategy protects income, health, and retirement

Comment “KAISER” or send me a message.

I’ll show you how it works.

Because the goal is simple:
Hindi lang yumaman…
kundi manatiling healthy habang tumatanda.

Alam mo ba na may Kaiser 3in1 Ultimate Knowledgbase?

Maraming questions natin masasagot sa Knowledgebase!

https://kb.kaiserhealthgroup.com/

Kaiser International Healthgroup Knowledge Base Kaiser International Healthgroup Knowledge Base