Kaiser International Health Group is it reliable?

[jdane]

Thanks a lot sa clarification! Nakakuha naman kog Kaiser last March then panagsa ra mi magka communicate sa akong agent. I have another question but ako nalang i.contact akong agent for this. Again, thanks much!

Thanks for the inquiry. Regarding your concern, if nagamit nimo ang polic within the 5 years paying period, mocompound gihapon siya after 5 years. Here's what will happen actually:

Kaiser is only 5 years to pay and after 5 years, wait ka ug 10 years for it to mature so 15 years tanan. After 15 years, mao ni imong makuha:

[1] Insurance (kay wala nimo nagamit ang plan)
[2] The total amount sa pagcompound 10% annually (10% of insurance, not premium)
[3] 75% of the premium that you paid

So assuming nagamit nimo ang plan withing 5 years, ang imo na lang makuha after the 15th year is the insurance and the total amount sa pagcompound 10% annually which is only [1] and [2].

So for a hypothetical computation, murag ingon ani ang mahitabo:

Premium paid annually: P20T
Total premium paid after 5 years: P100T
Insurance: P35T

After 5 years, the insurance part (P35T) will compound 10% annually which is P3.5T per year so after 10 years, moabot na ug roughly P70T. So after 15 years (5 years paying and 10 years to mature), imong makuha is:

P70T (total sa 10% compound annually) + P35T (insurance) = P105T

If wala nimo nagamit ang plan, it would be like this:

P70T (total sa 10% compound annually) + P35T (insurance) + P75T (75% of what you paid) = P180T

**Sa mga mokuha ug Kaiser, we strongly suggest nga mokuha gyud ug separate short term health care para mamaximize gyud ang plan. Kaiser is designed for long term or para health care during our older years. If di gyud gamiton ang plan, it will reach millions. Dako na kaayo na nga coverage for our health concerns.

I hope this clarified things.

[eden_cheese]

Hi,

Pls pm nako ug more info ani...like asa ang inyong office diri sa cebu?...then if naa mo'y brochure mas maayo kay akong i-email sa akong boss and ako sad mabasa during free time. Thanks.

[lorenzoleo]

Investing is biblical

Matthew 25:14-30 <-- look at the one who is afraid to risk and just keep the talents hidden, the master take it everything from him and gave it to the others who take RISK!!

If you follow the Word of God, how could you go wrong?

14 “For it will be like a man going on a journey, who called his servants[a] and entrusted to them his property. 15 To one he gave five talents,[b] to another two, to another one, to each according to his ability. Then he went away. 16 He who had received the five talents went at once and traded with them, and he made five talents more. 17 So also he who had the two talents made two talents more. 18 But he who had received the one talent went and dug in the ground and hid his master's money. 19 Now after a long time the master of those servants came and settled accounts with them. 20 And he who had received the five talents came forward, bringing five talents more, saying, ‘Master, you delivered to me five talents; here I have made five talents more.’ 21 His master said to him, ‘Well done, good and faithful servant.[c] You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ 22 And he also who had the two talents came forward, saying, ‘Master, you delivered to me two talents; here I have made two talents more.’ 23 His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ 24 He also who had received the one talent came forward, saying, ‘Master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed, 25 so I was afraid, and I went and hid your talent in the ground. Here you have what is yours.’ 26 But his master answered him, ‘You wicked and slothful servant! You knew that I reap where I have not sown and gather where I scattered no seed? 27 Then you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest. 28 So take the talent from him and give it to him who has the ten talents. 29 For to everyone who has will more be given, and he will have an abundance. But from the one who has not, even what he has will be taken away. 30 And cast the worthless servant into the outer darkness. In that place there will be weeping and gnashing of teeth.’

Sa hadlok mu RISK!! Better think twice!!!!

[makie]

Hi,

Pls pm nako ug more info ani...like asa ang inyong office diri sa cebu?...then if naa mo'y brochure mas maayo kay akong i-email sa akong boss and ako sad mabasa during free time. Thanks.

Sent you a PM.

[story]

After 5 years, the insurance part (P35T) will compound 10% annually which is P3.5T per year so after 10 years, moabot na ug roughly P70T. So after 15 years (5 years paying and 10 years to mature), imong makuha is:

P70T (total sa 10% compound annually) + P35T (insurance) = P105T

If wala nimo nagamit ang plan, it would be like this:

P70T (total sa 10% compound annually) + P35T (insurance) + P75T (75% of what you paid) = P180T

Questions related sa sample calculation:
1. Di diay ang "75% of what you paid" ang maapil sa compounding? I believe ang 25% goes to commissions, etc.
2. If dili mahurot ug gamit ang "75% of what you paid", dili diay makuha ang mabilin after 15 years?
3. What will the policy holder gets after 15 years AND BEYOND if naclaim na ang P105T or P180T (e.g. health benefits, insurance, others)? Wala?
4. If within the 15 years nagkasakit2 with hospital bills amounting to more than P180T, what can the company provide? Or until how much lang ang ila ma provide per year, or month if mukompetensya na sya sa HMO?
5. Without thinking about your commission and the hype from your company, do you seriously understand and seriously believe na this is better than investing your hard-earned money in an investment instrument with 6% per annum, let say, 8 years of reputable experience for 5 to 15 years?

Sorry pero if you can't explain and answer these questions, makathink jud ko na you are fooling us here. Then netizens should be informed.

[ropiana]

Questions related sa sample calculation:
1. Di diay ang "75% of what you paid" ang maapil sa compounding? I believe ang 25% goes to commissions, etc.

ang mag interest og magcompound kay ang premium sa kung unsa nga plan imu gikuha den ang accumulated amount sa health benefits na wala nagamit, offcourse, commissions are given, broker's marketings are not for free..

Questions related sa sample calculation:
2. If dili mahurot ug gamit ang "75% of what you paid", dili diay makuha ang mabilin after 15 years?

makuha after maturity date, meaning inig ka 16th year.

Questions related sa sample calculation:
3. What will the policy holder gets after 15 years AND BEYOND if naclaim na ang P105T or P180T (e.g. health benefits, insurance, others)? Wala?

yes. nothing.. you are no longer connected sa kaiser kung imu na gizero balance imu fund. 8-12% interest rate is useless if you have zero money(0x12%=0). The main purpose of long term health care is for preparation sa older days.. if nahan ka naa kay health coverage inig abot nimug 60+ den atleast magbilin ka sa imung fund maybe half, depende nimu, kay mag accumulate man lang japun nag interest.

Questions related sa sample calculation:
4. If within the 15 years nagkasakit2 with hospital bills amounting to more than P180T, what can the company provide? Or until how much lang ang ila ma provide per year, or month if mukompetensya na sya sa HMO?

from 1st year to 5th year, imu health benefits ana kay 50K let's say katong pinaka gamay na plan imu gikuha..
inig ka 6th year to 15th year kay kato ng 10% sa imu premium ang imung health benefits, then wala nimu nagamit in that year, mo accumulate ra na inig ka next year with interest. if malapas gani sa limit, ikaw nay bayad ana..

Questions related sa sample calculation:
5. Without thinking about your commission and the hype from your company, do you seriously understand and seriously believe na this is better than investing your hard-earned money in an investment instrument with 6% per annum, let say, 8 years of reputable experience for 5 to 15 years?

In IMG, our mission is "No family should left behind" and IMG make sure that product providers and partners must be reputable, stable and suit for families need. And every type of investment has it's own purpose and that's includes Kaiser. And for me, kaiser is an revolutionary savings program with a touch of protection. If your main purpose in investing is to accumulate wealth through higher interest then you have an option like mutual fund. But Kaiser is not the same, it's a savings program that gives you the power to access almost all major hospitals in the philippines by just presenting a card or by just saying you're a kaiser plan holder. Maybe you have a lot of money in the bank or a big investment in a mutual fund but all of that will be useless when you cannot use them when you need it the most..
like emergency cases, can you withdraw your mutual fund if you need cash to deposit in the hospital to be admitted? or
can you spare 5 mins of your time to withdraw in atm machine when life and death is just a split of seconds away? that includes offline atm machines..
let's face it, hospitals are there for business, it's not for charity..
If you want to be prioritized in all major hospitals in the city then you must have a lot of money or just get kaiser..

if you want further explanation just pm me because I'm an IMG broker..

[ncmknight]

Questions related sa sample calculation:
1. Di diay ang "75% of what you paid" ang maapil sa compounding? I believe ang 25% goes to commissions, etc.
2. If dili mahurot ug gamit ang "75% of what you paid", dili diay makuha ang mabilin after 15 years?
3. What will the policy holder gets after 15 years AND BEYOND if naclaim na ang P105T or P180T (e.g. health benefits, insurance, others)? Wala?
4. If within the 15 years nagkasakit2 with hospital bills amounting to more than P180T, what can the company provide? Or until how much lang ang ila ma provide per year, or month if mukompetensya na sya sa HMO?
5. Without thinking about your commission and the hype from your company, do you seriously understand and seriously believe na this is better than investing your hard-earned money in an investment instrument with 6% per annum, let say, 8 years of reputable experience for 5 to 15 years?

Sorry pero if you can't explain and answer these questions, makathink jud ko na you are fooling us here. Then netizens should be informed.

As a newbie, you are still entitled to sharp and hurtful words, but I strongly suggest you tone down your comments para way mainsulto.

You always have the option to get a short term / annually renewable health care to cover your working years from 20 years old to 59 years old. You get a higher coverage per illness, Pero ayaw lang basula ang HMO kung inig tiurok sa 60th year onwards, way gamit tong contribution for 40 years. True, you can get senior care for the rest of your life from 60 years old onwards, and better prepare for it now because it will never be cheap.

[story]

As a newbie, you are still entitled to sharp and hurtful words, but I strongly suggest you tone down your comments para way mainsulto.

Sorry, but I did not intend to insult in anyway sa akong previous post. I just wanted to be informed as well as get others well informed with regards to these kinds of products na atong gina storyahan. Actually, medyo in ato ako tuno (I guess specially sa last sentence nko) coz I've been there.. I mean I know similar plans (sorry dili ko gusto mandaot so confidential nalang if unsa to), but then when I calculate again, mura ra ug ako ang nag save. Worst, mas dako gani ako ma kuha in the end if ako pa mismo mag invest and ako na magkuha ug health insurance. Well I'm not saying for everyone ako suggestion, pero if bata pa mo and healthy, consider investing. Check this out:



.. I posted this because I wanted to educate the readers (i.e. get term insurance that might be cheaper and invest the remaining funds in a higher yielding instrument). Sorry sa mga broker, pero dba img or kaiser is a BUSINESS. so naa jud something na mawala sa clients na mapadulong sa ila in the form of commision, fees, etc. Agree?

[ropiana]

Sorry, but I did not intend to insult in anyway sa akong previous post. I just wanted to be informed as well as get others well informed with regards to these kinds of products na atong gina storyahan. Actually, medyo in ato ako tuno (I guess specially sa last sentence nko) coz I've been there.. I mean I know similar plans (sorry dili ko gusto mandaot so confidential nalang if unsa to), but then when I calculate again, mura ra ug ako ang nag save. Worst, mas dako gani ako ma kuha in the end if ako pa mismo mag invest and ako na magkuha ug health insurance. Well I'm not saying for everyone ako suggestion, pero if bata pa mo and healthy, consider investing. Check this out:



.. I posted this because I wanted to educate the readers (i.e. get term insurance that might be cheaper and invest the remaining funds in a higher yielding instrument). Sorry sa mga broker, pero dba img or kaiser is a BUSINESS. so naa jud something na mawala sa clients na mapadulong sa ila in the form of commision, fees, etc. Agree?

bro, do you know an HMO that can cover you in the long-term? because as far as I know, most HMO here in the philippines are just short term healthcare.. meaning you have to renew annually and if wala nimu nagamit that year, walay mabalik nimu, meaning nasayang ra imu kwarta..

[story]

bro, do you know an HMO that can cover you in the long-term? because as far as I know, most HMO here in the philippines are just short term healthcare.. meaning you have to renew annually and if wala nimu nagamit that year, walay mabalik nimu, meaning nasayang ra imu kwarta..

Bro check the details if you really is concerned if you are wasting money or not. Sa Kaiser, yes you have "long term" coverage, pero mao na to imo money na giipon na ga compound yearly (yearly ra pa jud than in investing you get to track your money's growth even daily)., Meaning wala na tong 50K per year nimo. The table above shows you the comparison of similar services na imo makuha with the difference = bigger money imo makuha when you invest on your own. Bigger money = "bigger coverage". Mas daghan ka mapalit tambal nimo in the end (refer to the table above).

Again, though their intentions are not bad, Kaiser and IMG are BUSINESSes. They ought to gain something from you.. right?