24/08/2026
π KAISER ULTIMATE HEALTHCARE BUILDERS PLAN π
How Does Kaiser Long-Term Healthcare Work?
Kaiser Ultimate Healthcare Builders is a 3-in-1 plan designed to help address three important financial needs:
β
Long-Term Healthcare
β
Life Insurance
β
Long-Term Savings
1. Accumulation Period (First 7 Years)
During the first 7 years, you build your health fund while enjoying the following benefits:
β Annual Physical Examination (APE)
β Dental Benefits
β Waiver of Installments due to Death
β Transfer of Investment Value to the Beneficiary (subject to plan provisions)
β Waiver of Installments due to Total and Permanent Disability (subject to plan provisions)
β Basic Medical Benefits
β Room and Board based on your chosen plan
β Hospitalization Benefits up to your Annual Benefit Limit (depending on the plan)
β Life Insurance Coverage
β Accidental Death and Dismemberment (AD&D) Coverage (subject to plan provisions)
β Access to Kaiser's accredited hospitals and healthcare providers nationwide
2. Extended Period (Years 8β20)
After completing your 7-year payment period, no further plan payments are required. Your accumulated health fund remains invested.
β Continued access to healthcare benefits, subject to your available health fund and plan provisions
β Additional Health Bonus
β Coverage according to the terms and conditions of the policy
3. Long-Term Care Period (After 20 Years)
Upon plan maturity, you may receive benefits based on your plan and accumulated health fund, including:
β Remaining unused Health Fund
β Guaranteed Long-Term Care Benefit based on your plan coverage
β Long-Term Care Bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.)
β Additional health benefits when the market is at top performance
Upon Maturity, You May Choose To:
β Withdraw the entire available amount
β Withdraw only a portion while leaving the remaining funds invested (subject to plan provisions)
β Leave the funds invested to continue participating in potential future growth, subject to market performance
π‘ Why Choose Kaiser?
When you're sick, Kaiser helps cover eligible medical expenses.
When you stay healthy, your unused health fund remains available for your future healthcare needs and may continue to participate in investment growth, subject to market performance.
Unlike many traditional healthcare plans that require annual renewals without building value, Kaiser combines healthcare protection with long-term savings.
π© Start planning for your future today.
Message me to get a FREE Kaiser quotation or learn more about the plan.
