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Do you love yourself and your Family? Kaiser Does!

We all want to be financially secured but the question is, how do we start? When it comes to financial planning, there are two important questions that you have to ask yourself: 

1st Question: What if I die too early? What will happen to my family?
2nd Question: What if I live too long? Who will take care of me?

Kaiser can answer our 3 major financial needs.
Watch the video presentation to know more about it.

Kaiser International Health Group Inc.

The First Name in Healthcare

We are duly accredited with the Department of Health (DOH). Our Company is likewise, registered with the Securities and Exchange Commission (SEC) on June 08, 2004 as a Health Care Provider with an Authorized Capital Stock of Php 160M.
Kaiser International Health Group Inc. is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.


"We shall aim to be the industry leader in providing maximum, long-term and short-term health care benefits to all our members."


"We help build a secure future and wise financial foundation in coping with inevitable medical expenses each of us would one day face especially after employment and during retirement years."


Kaiser gives you two of the basic components one should be looking for in an investment: Protection + Growth.


Kaiser covers not just your short-term healthcare but more importantly, it secures your long-term protection, for your healthcare needs at your old age, as well as your insurance or your family's protection in case of an unfortunate event.


Since Kaiser is invested on a Mutual Fund that earns an average rate of 7% - 10% compounded annually, if you don't get sick and live long enough without getting sick, it can be good as cash. Meaning, you can withdraw your money and use for any of your other needs and responsibilities at your old age. Now, should you decide to leave your money even after maturity, it will just continue to grow at an average rate of 7% - 10% per annum.

In essence:

​Kaiser is a HEALTHCARE, INSURANCE, INVESTMENT + EMERGENCY FUND. It's a 4 in 1 investment vehicle.

1st Reason: Long-term Healthcare 

Ang mga traditional HMO (Health Maintenance Organization) ay short-term lang. Magbabayad ka ng annual premium for a certain healthcare coverage. Magamit mo ito or hindi ay babayaran mo pa rin every year kung gusto mong ipagpatuloy ang healthcare coverage.

Sa Kaiser, puwedeng maging short-term at long-term. Kung nag-avail ka nito at biglang nagkasakit magagamit mo ang healthcare benefits. Paano naman kung hindi magamit? Okay lang! Dahil si Kaiser ay long-term healthcare din kung saan ang hinuhulog mo ay hindi masasayang at magagamit mo pa rin in future needs.

2nd Reason: Life Insurance

Sa traditional HMO (Health Maintenance Organization) kapag sinabing healthcare ay Pure Healthcare lang.

Sa Kaiser, hindi lang siya basta healthcare. May Life Insurance coverage din na kung saan ay protected ang pamilya.

Halimbawang may mangyari sa policy holder ay makakatanggap ang beneficiaries nito ng instant money mula sa Insurance Company.

Bukod pa doon ay may Waiver of Installment due to Death, Waiver of Installment due to Total and Permanent Disability at Transfer of Kaiser Policy to the Principal Beneficiary.

3rd Reason: Investment for Retirement

Bukod sa healthcare at life protection, ang kaiser ay may investment din.

Kung healthy ka at hindi mo nagagamit ang healthcare coverage bibigyan ka pa ng BONUS ni kaiser sa Maturity ng iyong 3-in-1 Saving Plan.

Makukuha mo ang lump sum sa 20th year ng iyong plan. May option ka rin na i-retain lang ito upang lumago pa ang pera mo.

Imagine? Nag-save ka lang sa loob ng 7 years may makukuha kang malaking halaga sa Maturity Period ng Saving Plan mo. Para ka ring may pension na pwede mong kuhanin buwan-buwan dahil good as cash itong investment mo.



1st PERIOD: Accumulation Period or The Paying Period (1st to 7th year)

For the first 7 years you will be paying for the plan. During this time, it works like a typical HMO wherein you have an annual benefit usable for hospitalization expenses. These are also a couple of benefits, like:

• Benefit of free Annual Physical Examination after one year of payment.

Physical Examination, Chest X-Ray, Routine Fecalysis, Routine Urinalysis, Complete Blood Count

ECG for Members above 35 and Pap Smear for Female Members above 35 years old or as required.

• Benefit of free Dental Check-up and the following;

Unlimited Dental Check Ups

Unlimited Simple tooth extraction

Once A year Free Dental Prophylaxis

Recementation of jacket, crowns, inlays, on lays and

Minor adjustment of Dentures

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• In-Patient benefits in accredited hospitals except for pre-existing conditions and dreaded diseases, up to plan annual benefit limit.

• Waiver of installment/ Premium due to death/ total and permanent disability. 

2nd PERIOD: Extended Period or The Growth Period (8th to 20th year)

During this phase, you have completed all the payments and all you have to do is wait and let the plan reach its 20th year (maturity) at this point your will have a starting cash value that you can also use for your medical expenses. The money is invested in government and corporate bonds, which are expected to yield 7-10% compound per year.

Comparison to other providers: during this period, the Kaiser plan is still there for your short-term healthcare needs. The money is still growing at this stage and it is at this period when the Kaiser plan starts to step-up and be more competitive with the other healthcare providers.

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• Accumulation of unused Health Benefits at 7-10%

• In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.

• Accumulation of unused Health Bonus at 3-13%

3rd Period: The Maturity Year/ Long-Term Care Period (20th Year onwards)

At the plan’s maturity at 20th year, several bonuses will be awarded like the Long-term care benefit and bonus, plus about 85% of the premiums will be returned to you if you didn’t use the plan during the earlier stages, here, the cash value of your investment would also be good as cash- meaning you can use it for anything not just hospitalization and medical expenses.

Comparison to other providers: at this Period, Kaiser stands out because most healthcare providers are already too expensive by the time you reach your 40s or even 60s. On the other hand, your money with Kaiser has already accumulated and depending on the plan you chose, your Total Health Benefits would be upwards of P500,000 all the way to several millions.

Pre-Computed Table


  • 10 years old to 60 years old only.
  • Lahat ng Pilipino, even OFWs.
  • Even the minimum wage earner, dahil affordable ito.
  • Puwede rin sa mga high risk jobs like Police, Firefighters, etc.
  • At Kahit pa may mga existing illness na, siguraduhin lang na i-declare ito sa kaiser application form. This is subject for approval. (case to case basis)

Protect your future if you live too long and protect your family in case you die too soon.   

Get in touch! We're here for you...

Please do not hesitate to contact us anytime if you have any questions or clarifications. 

John Ahmer Toledo
Financial Literacy Advocate