1st Period: Accumulation or Saving Period

Year 1 to Year 7

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 basic dental procedures.

• 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 the plan's yearly medical benefit limit. Member's choice of room and board.

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

2nd Period: Extended or growth Period

Year 8 to year 20

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 plan will have a starting cash value that you can also use for your medical expenses. Your money is invested during this period.

• Yearly Health Care Hospital Benefit Limit: 10% of the Long Term Care Benefit Value earned starting from the end of the Accumulation Period and every year thereafter up to the 20th year.

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

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

• Additional Yearly Health Care Hospital Benefit: Accumulation of unused Health Bonus at 3-13% per year.

3rd Period: Maturity or Long-term care Period

Year 21 onwards

At the plan’s maturity at 20th year, several bonuses will be awarded like the guaranteed Long Term Care Benefit plus the Long Term Health Care Experience Incentive (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.

In comparison to other providers is that 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.