ALAM MO BA?
...na ang kakulangan sa Healthcare ang isang malaking rason kaya nalulubog sa utang ang isang pamilya?!
Unfortunately...
• nare-Realize lang ng karamihan na napaka-IMPORTANTE ng Healthcare kapag may sakit na, nasa hospital na, o nag-retire na.
• Medical costs double every 5 to 7 years.
• Maraming doctor at maraming gamot, pero bakit namamatay ang pasyente? Madalas, dahil WALANG PERANG pampagamot!
ANG KAISER SAVING PLAN AY 20 YEARS PLAN, MEANING 7 YEARS LANG MAG-IINVEST AND 13 YEARS OF WAITING FOR THE MATURITY.
- 7 years of saving/investing only.
- 13 years of waiting for the Maturity.
- You will have the following benefits: Healthcare (short-term & long-term), Life Insurance and Investment.
Meron kang benefits ng Long term Healthcare na pwede mong magamit khit beyond 100 years old ka na. No traditional HMO will cover you kapag 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.
There are 3 Kinds of Healthcare
Short-term Healthcare
Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).
Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.
Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.
Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?
Senior Care
Ito naman ang yearly healthcare for Seniors age 60 pataas.
Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare.
Long-term Healthcare
Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old).
Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam ipsum lectus, dapibus sed sollicitudin vitae, maximus sit amet tortor.
Bakit nga ba maganda magkaroon ng Kaiser 3-in-1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner?
✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 3% - 10% rate of returns depende sa performance ng stock market.
✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!
✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?
WHO IS ELIGIBLE TO GET KAISER LONG TERM CARE?
Ang pwedeng kumuha at mag-invest ay 10 to 60 years old.
FOR AGES 10-40 YEARS OLD
- Minimum is 2,647 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 50,000 per year
- Life Protection of 202,500 - 405,000
- And Investment of 524,776 which is good as cash sa Maturity (at the 20th year)
FOR AGES 41-50 YEARS OLD
- Minimum is 3,529 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 50,000 per year
- Life Protection of 270,000 - 540,000
- And Investment of 699,701 which is good as cash sa Maturity (at the 20th year)
FOR AGES 51-60 YEARS OLD
- Minimum is 4,412 per month
- FREE Annual Physical Exam
- FREE Dental (Linis, Bunot & Pasta)
- Hospitalization Benefits of 60,000 per year
- Life Protection of 337,500 - 675,000
- And Investment of 874,626 which is good as cash sa Maturity (at the 20th year)
KAISER PRE-COMPUTED TABLE
HOW TO START YOUR KAISER SAVINGS PLAN?
OPTION # 1
Pwede ka mag-enroll ng Kaiser Saving Plan mo through Online Kaiser Application.
Click the link below for instructions.
