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Alam mo ba?

...na ang kakulangan sa Healthcare ang isang malaking rason kaya nalulubog sa utang ang isang pamilya?!


  • nare-Realize lang ng karamihan na napaka-IMPORTANTE ng Healthcare kapag may sakit na, nasa hospital na, o nag-retire na.

  • Medical costs double every 5 to 7 years.

  • Maraming doctor at maraming gamot, pero bakit namamatay ang pasyente? Madalas, dahil WALANG PERANG pampagamot!


There are 3 Kinds of Healthcare

Short-Term Care, Long-Term Care, and Senior Care.

Short-Term Care

Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).

Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.

Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.

Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?

Long-Term Care

Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old). 

Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.

Senior Care

Ito naman ang yearly healthcare for Seniors age 60 pataas. 

Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare. 

The 3 Types of Healthcare

Watch Joen De Las PiƱas and Noel Arandilla talked about the 3 types of Healthcare.

Which One Is Right For You?

Know more about your advantage with
Ultimate Kaiser Health Builder Plan


Product Comparison

Alarming Health Realities...

  • - In 20 years, the elderly will outnumber the youth by a ratio 4:1
  • - Aging workforce is the biggest economic challenge over the next decades
  • - Heart disease is the number one cause of mortality in the Philippines
  • - Medical inflation hits nosebleed levels, 3-4 times economic inflation
  • - Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
  • - Health conditions in the Philippines remain among the poorest in East Asia
  • - More and more people die not because of no doctor or no medicine but because of money

Short Term Healthcare


Long Term Healthcare


Renewal not guaranteed if with high claims

Renewal is guaranteed

Yearly increase of premium

Fixed premiums for 7 years

Generally, no insurance coverage some provide insurance, but very low coverage

With Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:

  • - Term Life
  • - Accidental Death and Dismemberment
  • - Waiver of Installment due to death
  • - Waiver of Installment due to Permanent and Total Disability

No accumulation of unused health fund

All unused health fund accumulates with interest

No return of premiums (ROP) for non-utilization

With returns of premiums up to the contract price for non-utilization during the paying period

Covers only up to age 60

Covers beyond age 60 with long term care yields *

Pre-existing illness is not covered during the 1st year and lifetime / permanent exclusions may be issued on the 2nd year onwards

Pre-existing is not covered during accumulation period. No exclusions after the 7th year of coverage *

Inflexible, non-transferable benefit design

Flexible, transferable, and may be redated benefit design

Reinstallment is limited only within 30 days of lapsed policy

Reinstallment within 2 years of lapsed policy

Access to non-accredited physicians and medical network is not covered

Access to non-accredited physicians and medical network is covered after the 7th year

Out-patient medicines and cosmetic treatments not covered

Out-patient medicines and all illness including cosmetic and maternity are covered after the 7th year *

Continuous yearly payment terms

Seven (7) years or spot-cash payment options

Anxious, worrisome and insecure healthcare status after employment or during retirement years

No worries...

Ano ba ang features ng Kaiser Long-Term Healthcare?

The KAISER Long-Term Healthcare is a 3-in-1 product.

Life Insurance

Covered tayo with Life and Accidental Insurance for 20 years, in case of untimely death.

In case the insured passes away during the paying period of 7 years:

   1) The remaining installments will be waived.

   2) The beneficiaries will receive the insurance proceeds.

   3) At malilipat kay Beneficiary #1 ang policy. Siya na ang bagong owner of the plan. Wala na siyang babayaran. All investment and healthcare benefits, siya na ang makakagamit at makakakuha.



Kung magkasakit tayo NGAYON o pagdating ng ating SENIOR Citizenship, pwede nating gamitin ang Kaiser in all accredited clinics and hospitals nationwide.


Ito lang ang Healthcare Plan na nire-Reward tayo kung hindi tayo nagkakasakit. The Healthier we are, the Better because the More our INVESTMENT GROWS.

Once our plan matures at the end of 20th year, pwede natin i-withdraw, o iwanan lang ang pera para tuloy-tuloy lumago for our Long-term healthcare needs, or source of Retirement Fund (Passive Income).

Ultimate Kaiser Health Builder

Watch this video

Learn HOW Kaiser Long-Term Healthcare works.

In Kaiser Long-Term Care

You can build