Financial literacy

30/08/2023

To choose you K-Plan, Read below👇👇👇

Partial details of kaiser plan 3in1 maam

Ang KAISER SAVING PLAN ay 20 years plan, meaning 7 years lang mag-iinvest and 13 years of waiting for the Maturity.

Meron kang benefits ng Long term Healthcare na pwede mong magamit khit beyond 100 years old ka na. No traditional HMO will cover you kpag retired ka na, only Kaiser Longterm Healthcare.

Once nag-start ka ng Kaiser, automatic insured ka na ng Term Insurance nito and just in case mawala ang Policy Holder makukuha ng beneficiaries ang Instant Money from the Insurance, Waived na din ang Kaiser Plan, ibig sabihin wala ng iintindihin ang Family. Plus magagamit pa nila yung Health Benefits at makukuha pa nila ang money sa Maturity.

Sa 20th year or sa Maturity makukuha na good as cash ang Investment. Depende sa kukunin na Plan kung magkano ang Maturity nito and option mong kunin ang Fund or Hindi. Kapag ni-retain mo lang ang Funds after the Maturity kumikita pa ito ng 6-10% per year.

(3-in-1 Saving Plan)

K45- MOP
Monthly -2,647.00
Quarterly 7,676.00
Semi Annual- 14,294.00
Annual- 26,470

Sa age 10-4

K50 Plan MOP
Monthly - 2,941
Quarterly- 8,529.00
Semi annual- 15,882.00
Annual 29,411.00

For ages 10-40 ang minimum is 2,647 per month.
With FREE Annual Physical Exam
With FREE Dental (Linis, Bunot & Pasta)
With Hospitalization Benefits of 50,000 per year
With Life Protection of 202,500 - 405,000
And Investment of 524,776 which is good as cash sa Maturity (at the 20th year)

K-60 PLAN. MOP
Monthly -3,529.00
Quarterly-10,235.00
Semi annual-19,058.00
Annual - 35,293.00

For ages 41-50 ang minimum is 3,529 per month.
With FREE Annual Physical Exam
With FREE Dental (Linis, Bunot & Pasta)
With Hospitalization Benefits of 50,000 per year
With Life Protection of 270,000 - 540,000
And Investment of 699,701 which is good as cash sa Maturity (at the 20th year)

K-75 PLAN mode of payment
Monthly-4,412.00
Quarterly-12,794.00
Semi Annual-23,823.00
Annual -44,116.00

For ages 51-60 ang minimum is 4,412 per month.
With FREE Annual Physical Exam
With FREE Dental (Linis, Bunot & Pasta)
With Hospitalization Benefits of 60,000 per year
With Life Protection of 337,500 - 675,000
And Investment of 874,626 which is good as cash sa Maturity (at the 20th year).
Message me.
More info

https://322551ph.imgcorp.com/quote/kaiser

24/08/2023

12/08/2023

LongTerm HealthCare (LTC) by Kaiser International Healthgroup, Inc.
Kaiser International Health Group, Inc. is duly registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser is positioned to address the long-term health care needs of individuals--especially after their employment (retirement years) | www.kaiserhealthgroup.com

In the Philippines, Kaiser International Healthgroup, Inc. is the sole provider of LongTerm HealthCare (LTC). Kaiser LTC is a 3-in-1 health savings program that solves the 3 basic financial needs of Filipinos: Healthcare, Life Insurance, and Investment Funds.

HOW DOES LTC WORK?

Kaiser LTC health savings program has 3 phases: Saving Period, Compounding Period, and Maturity

1. Saving Period (7-year paying period). This is the phase where the plan holder will diligently save for 7 years only.

During this period, the plan holder gets to enjoy the following benefits & privileges:

✔️ Annual Physical Exam (APE)
✔️ Basic Dental Benefits
✔️ Waiver of installments due to death
✔️ Waiver of installments due to disability

✔️ Basic Medical Benefits
✔️ In-Patient Care Benefits (Hospitalization)
✔️ Term Life Insurance, for 20 years (Up to 70 years old)
✔️ Earn dividends on your contributions

2. Compounding Period (13-year growth & accumulation of health funds). During this phase, you no longer pay for your Kaiser LTC.

✔️ At this stage, your health funds (plus the accumulated Dividends from the Saving Period), are strategically invested in the Stock Market (thru Mutual Funds). Thus, empowering your investment to grow at 3% to 10% per annum.

✔️ Your medical benefits are basically similar to those in the Paying Period---but this time, payments for medical-related expenses shall be taken cared of by your available funds (under compounding or accumulation).

✔️ You get additional health benefits
✔️ VISA Card shall be issued after completion of 7-year contribution

3. Maturity (On the 20th year, and beyond)

Upon Maturity of your Kaiser LTC, you will enjoy the following benefits:
✔️ Total accumulation of unused health benefits
✔️ LongTermCare Benefit
✔️ LongTermCare Bonus (Up to 85% of return on premium contributed when there are no claims from hospitalization during the Paying Period)

• Your health funds shall be As Good as Cash!

• You now have 3 options: Withdraw all your money (option to close your Kaiser LTC account); or Withdraw a portion of your matured funds; or Let your funds be fully invested with Kaiser to serve as your lifetime healthcare fund and retirement money.

• Whatever amount that remains in your Kaiser LTC health fund shall continue to grow at 6% to 10% per year.

The beauty of Kaiser's Long-term Healthcare program is that, when a you get sick, it serves as your healthcare fund. Otherwise, it becomes your savings. You get rewarded for being healthy and staying healthy!

Furthermore, your Kaiser LTC can cover your healthcare needs even beyond age 60 (as long as you allow enough funds to continue to grow with Kaiser). Unlike in traditional HMOs where if the person who pays for it ever year doesn’t get sick, there will be no return of premium.

That's Investment, Life Insurance, and Healthcare Funds---all in one amazing and affordable investment plan for you and for your family!

To learn more about Kaiser LTC (or to request for a soft quotation)

12/08/2023

Congratulations to our Plan holders who received their checks for the Maturity Benefit Full Withdrawal from Kaiser International Healthgroup Omnis, Makati.

Ms. Gladys Venus Jose on August 09, 2023

Mr. Manuel Luis Belleza on July 28, 2023.

Congrats and we wish them all the best in thier future endeavors.

Nagtanim sila for only 7 years. Now they are reaping the fruits of their labor.

Sa mga interested to avail of Kaiser.

Message me
Marilyn Dineros 💙

12/11/2022

Sino ba si Kaiser? Hindi po Insurance company ang Kaiser.

Si Kaiser ay isang HMO na may kasamang benefits na Insurance at Investment.

Si Kaiser lang ang tanging HMO na may longterm.

20 years term pero 7 years ka lang need mag ipon at pwde mo na magamit kahit abutin kapa ng 100 yrs old.

Ito ung klase ng HMO na hindi ka manghihinayang pag d mo nagagamit habang nagbabayad ka kc ito ay magiging cash bonus (85%) na ibabalik sayo kasma ng investment mo.

Ang plan ay may kasama ng investment ng 10% yearly na pwede mong maging retirement fund. Meron na rin itong Life Insurance na magagamit for final expense.

*Hwag kang umasa lang sa HMO as part of your benefits of being an employee. sa panahon na magresign ka o mag retire, hindi mo madadala iyan.*

Prepare for your Longterm care, habang malakas at wala kapang sakit, para pagdating mo nang retirement age. Meron kang magagamit dahil napaka mahal ng Senior care.

Para sa karagdagang detalye tungkol sa Kaiser Long Term Healthcare, message me anytime..😊

08/11/2022

Tatlo lang naman ang gusto ko sa Kaiser.
1. Pagnamatay ako may makukuhang pera ang pamilya ko.
2. Pag nagkasakit ako , meron akong magagamit for hospitalization.
3.Pagnabuhay ako ng mahaba , meron akong perang magagamit.

Ikaw ano ang gusto mo?

For your quotation and proposal review you can pm us.

08/11/2022

KUNG TEACHER KA,
MAKAKARELATE KA DITO!

Teacher by Profession, nag Masters, nag Doctorate, naging Principal, a Professor, Consultant ng schools but she realized na 2k lang daw ang na increase sa income after achieving that.

"Walang hustisya sa Pilipinas", she thought! Honest licensed teacher nabaon pa sa utang. Now she found A GREENER PASTURE IN IMG..CHANGE IS FOR ALL! BETTER OPPORTUNITY, BETTER LIFE!

Inspiring Story from Meltse Dela Pena.
She's a Principal & Dr. in Education who decided to do IMG advocacy full-time because of these 2 questions that really hit her:

IMG Trainer: Ma'am what's your highest educational attainment?
Meltse: I'm a Principal, PhD sir. (she answered it with pride)
IMG Trainer: Wow, how much money did you save already ma'am?

As per Meltse, she was speechless, stunned and realized that she has no savings even a single centavo and has lots of loans instead.




cto

02/11/2022

PAG MAY ITINANIM, MAY AANIHIN✅

Congrats Sir Marjun to your matured Kaiser health savings account! Alam nyo bah, 3 options tayo pag nagmature si Kaiser:

1. Lump sum money
2. Take a portion
3. Let it grow and get it later (annual compounding interest)

Ito ang dapat tularan. In life, there's a season of sowing and a season of harvest. Cheers to the habit of saving!

26/10/2022

𝑷𝒊𝒕𝒐𝒏𝒈 𝒕𝒂𝒐𝒏 𝒌𝒂 𝒍𝒂𝒏𝒈 𝒎𝒂𝒈-𝒊𝒊𝒑𝒐𝒏. 𝑷𝒂𝒓𝒂𝒏𝒈 𝒃𝒊𝒏𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒎𝒐 𝒍𝒂𝒏𝒈 𝒂𝒏𝒈 𝒔𝒂𝒓𝒊𝒍𝒊 𝒎𝒐. 𝑨𝒕 𝒉𝒂𝒃𝒂𝒏𝒈 𝒏𝒂𝒈𝒃𝒂𝒃𝒂𝒚𝒂𝒅 𝒌𝒂, 𝒎𝒂𝒚 𝑯𝑴𝑶 𝒌𝒂 𝒇𝒐𝒓 7 𝒀𝒆𝒂𝒓𝒔.

May Term Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.

Ang ganda di ba? 𝐊𝐀𝐈𝐒𝐄𝐑 is an HMO, hindi Insurance. Magkaiba kase ‘yon!

𝑺𝒄𝒆𝒏𝒂𝒓𝒊𝒐 1: 𝑵𝒂𝒈𝒌𝒂𝒔𝒂𝒌𝒊𝒕 𝒌𝒂 𝒂𝒕 𝒏𝒂𝒐𝒔𝒑𝒊𝒕𝒂𝒍.

Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

𝑺𝒄𝒆𝒏𝒂𝒓𝒊𝒐 2: 𝑵𝒂𝒈𝒌𝒂𝒔𝒂𝒌𝒊𝒕 𝒌𝒂 𝒂𝒕 𝑵𝒂𝒐𝒔𝒑𝒊𝒕𝒂𝒍 (𝑵𝒐𝒕 𝑷𝒓𝒆-𝒆𝒙𝒊𝒔𝒕𝒊𝒏𝒈)😀, then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka. Healthcard na may Term Insurance at Investment

Halika usap tayo...

26/10/2022

People delay savings, investing and getting insured - because they think they still have time.

How sure are we that we can still think, do, live or decide tomorrow or next week?

In building wealth, time is an ally or a friend when you start saving, investing and getting insured.

But time is an enemy to those who don't start, can't start or haven't started yet.

Worst, time is against us if we don't make effort to understand money matters or Personal Finance.

Di natin hawak ang panahon. So, let's make TIME our friend.

Make time to learn. Make time for Financial Education.

24/10/2022

DON'T DEPEND ON SOCIAL SECURITY SYSTEM (SSS) and PHILHEALTH

CHOOSE SSS = Self Security System

You are the only person who can secure your own as well as your loved ones' financial future. Don't depend on Social Security - choose Self Security.😊

Bakit panalo ang KAISER Longterm Healthcare?💪

Simple lang, 3 in 1 na ito.

May HMO o Hospitalization Fund kapag ikaw ay nagkasakit,

May TERM INSURANCE, may maiiwan ka sa Pamilya mo, kapag ikaw ay kinuha ni Lord.

At kung mahaba naman ang buhay mo, may PERA o RETIREMENT MONEY sa ating pagtanda para hindi tayo maging kawawa.

7 Years ka lang magbabayad, para ka lang nag-iipon, IPON na may HMO for 7 years, INSURANCE for 20 years at INVESTMENT that matures on the 20thYear.

Kaya saan ka Kaiser ka na?🤗 Message me on how to avail of our plans..💙