Unsay Nindot Nga Life Insurance?

[makie]

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Actually ang Kaiser is an HMO provider, then naay add-on na life insurance og investment..
Den ako gikuha na plan kay K-35, ang ako monthly ana kay 2,081..
mao ni ila website ay Kaiser International Health Group :: Official Website
if nahan ka makig talk og broker, just pm me..
daghan na sad kog mga friend na refer ani nga broker..
naay uban nikuha, den naay sai wala nikuha, kay dili man siya mamugos. igo ra siya ga explain..

Ironic since Kaiser claims itself as a HMO but only provides a coverage of only 5-years.
It has a life insurance component nga gamay ra pud kaayo and being provided by Cocolife.
Imagine paying P2T a month (around P20T a year) and only getting P35T insurance coverage.
In life insurance companies, you can already get P1M coverage for only P4T a year.
A better alternative for Kaiser is to get a pure HMO, pure life insurance, and invest in mutual funds.
Mas barato na, mas efficient pa.

[ropiana]

Ironic since Kaiser claims itself as a HMO but only provides a coverage of only 5-years.
It has a life insurance component nga gamay ra pud kaayo and being provided by Cocolife.
Imagine paying P2T a month (around P20T a year) and only getting P35T insurance coverage.
In life insurance companies, you can already get P1M coverage for only P4T a year.
A better alternative for Kaiser is to get a pure HMO, pure life insurance, and invest in mutual funds.
Mas barato na, mas efficient pa.

sir, kinsa nag ingon na 5 years ra ang coverage sa Kaiser? Have you heard the presentation? In fact, Kaiser is the only HMO provider that will cover beyond 60 years old(if I'm not mistaken). Life insurance is different from a healthcare program, and since Kaiser is for healthcare, mahug na lang jud na nga gipakapinan og life insurance ang plan.. And in case dili nimu magamit ang healthcare, dili ra man sad ko maworry kay mabalik ra man sad sa akoa as investment, kay ang wala magamit kay mag accumulate ra with interest..

[makie]

sir, kinsa nag ingon na 5 years ra ang coverage sa Kaiser? Have you heard the presentation? In fact, Kaiser is the only HMO provider that will cover beyond 60 years old(if I'm not mistaken). Life insurance is different from a healthcare program, and since Kaiser is for healthcare, mahug na lang jud na nga gipakapinan og life insurance ang plan.. And in case dili nimu magamit ang healthcare, dili ra man sad ko maworry kay mabalik ra man sad sa akoa as investment, kay ang wala magamit kay mag accumulate ra with interest..

I was connected to IMG for 2 years.
Please check the illustration below:



*Annual physical examination, dental, and basic medical benefits, waiver of payment due to death or disability, the annual benefit limit, and the room and board allowance are only good for 5 years. These are the benefits that HMOs provide.

*All of those HMO benefits above are gone after 5 years but you will enjoy the compounding of the life insurance portion by 10% per year.

*After 15 years (5 years of paying and 10 years of waiting), you get the cash benefits. Take note of the key word "cash" hence during this time, Kaiser is no longer a health care per se but rather an investment.

Why are they saying that Kaiser provides up to 60 years of age?

First, if you started young, ideally below 30, for sure you will get a very hefty sum by age 60 which is enough to support your medical financial concerns. Mutual funds does a lot better than 10% on average and you don't have to wait for 5 years for it to start earning.

Second, Kaiser has a Senior Care program which provides health care coverage for persons above 60. This is the Kaiser that provides coverage up to 60 years of age, not the one that is being paid for 5 years. Kaiser Senior Care is a short term health care meaning you have to pay it every year for renewal.

Technically, Kaiser only provides health care coverage for only 5 years. After that, you can no longer enjoy the hospitalization (annual benefit limit) and dental benefits and room allowance.

[rasputin]

prulife bai.mau

[istoryamember]

prulife bai.mau

naa ko ani

[Simplewish]

prulife bai.mau

Ako sad naa and bcoz I loved the service I am now with Pru Life U.K.sad.

Anyway, ingatz ta karon mga panahona istoryans kay bagyo....better to stay at home and be with families.

[makie]

Here's a good read about life insurance.
Life insurance is not an expense and it's no longer like the life insurance of old.
Life insurance today has investment portions in it enabling your money to grow at a better rate than banks.

AIA Group touts Philippine economic growth story, bewails lag in insurance take-up - InterAksyon.com

Allocate a reasonable amount to life insurance and it will either provide your loved ones security or a comfortable retirement for you.
Don't let such a great opportunity (rising Philippine economy) slip away, invest now and make your money grow faster than banks.

[cool_romar]

AXA Philippines. Insure and invest. Should you outlive time, you can enjoy its living benefits.

[sexy_roxy]

naa ko ani

2 thumbs up

[ropiana]

I was connected to IMG for 2 years.
Please check the illustration below:



*Annual physical examination, dental, and basic medical benefits, waiver of payment due to death or disability, the annual benefit limit, and the room and board allowance are only good for 5 years. These are the benefits that HMOs provide.

*All of those HMO benefits above are gone after 5 years but you will enjoy the compounding of the life insurance portion by 10% per year.

*After 15 years (5 years of paying and 10 years of waiting), you get the cash benefits. Take note of the key word "cash" hence during this time, Kaiser is no longer a health care per se but rather an investment.

Why are they saying that Kaiser provides up to 60 years of age?

First, if you started young, ideally below 30, for sure you will get a very hefty sum by age 60 which is enough to support your medical financial concerns. Mutual funds does a lot better than 10% on average and you don't have to wait for 5 years for it to start earning.

Second, Kaiser has a Senior Care program which provides health care coverage for persons above 60. This is the Kaiser that provides coverage up to 60 years of age, not the one that is being paid for 5 years. Kaiser Senior Care is a short term health care meaning you have to pay it every year for renewal.

Technically, Kaiser only provides health care coverage for only 5 years. After that, you can no longer enjoy the hospitalization (annual benefit limit) and dental benefits and room allowance.

Yes your right sir, the benefits is good for 5 years especially sa 50K for hospitalization, but what I liked it the most is when you don't use it kay healthy ka kay mabalik ra man sa imuha as investment. den if masakit ra ka after sa 5 years, den macovered ka pero ang benefit limit kay kato ng annual health benefit sa plan na imu gikuha + interest.. Den decision na sad na sa plan holder kung inig abot sa maturity sa iyang plan kay iyang withdrawhon para ienjoy or iyang ipabilin para in preparation sa iyang older days. Ako nikuha ko ani kay dala na tanan mura ra sad kag ga savings with 10% interest, plus nag invest sad ko sa mutual funds. kung maka afford ang taw kuha og HMO, Life insurance, og mutual fund, why not?. pero kung naay 3in1 sad, why not?