Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.
- An innovative program, the first of it's kind in the country;
- Guarantees long-term care even after the age of sixty when the client has only himself to rely on;
- Healthcare coverage, savings, emergency fund, and insurance rolled into one;
- An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first five (5) years of coverage;
- A portable account! Even if you change or lose jobs, your plan and funds stay with you;
- A four-way insurance coverage:
- Term Life
- Accidental death and dismemberment
- Waiver of installment due to death
- Waiver of installment due to permanent and total disability;
- Outpatient benefits, annual physical examinations and dental coverage;
- Coverage is for individuals but can be installed in companies as a health savings salary deduction program;
- No exclusions from 6th year onward;
- Flexible, transferable and upgradeable;
- Annual lifetime healthcare benefits at age 60 and up;
- Payable in 5 years only with fixed rates for the entire paying period;
- Issue age up to 60, but coverability extends after 60; and,
- Reinstatement can be done within 2 years after lapsed policy.