02/06/2026
Bakit patok na patok si Kaiser Ultimate Health Builder.
9 reasons why you should include get Kaiser Ultimate Health Builder. ( this is a healthcare product, not a life insurance product )
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1. SPECIAL ACCESS TO 800+ hospitals NATIONWIDE
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Kaiser planholders have access to 2000+ hospitals and 10,000 doctors nationwide.
DURING THE FIRST 7 YEARS, mayroon pang free annual physical exam, unlimited dental checkup, unlimited simple tooth extraction at simple dental procedures ( temporary filling, minor denture adjustments). Mayroon ding in-patient benefits, EXCEPT for pre-existing illnesses, critical illness at maternity.
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2. COMPREHENSIVE HEALTH CARE BENEFITS
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Starting on the 8th year, may consumable outpatient and in-patient benefits for all ailments, including pre-existing diseases critical illnesses, and maternity.
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3. HOSPITALIZATION BENEFIT
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As mentioned:
first 7 years, in-patient benefits EXCEPT pre-existing, critical illness and maternity.
After 7 years, in-patient AND OUTPATIENT benefits INCLUDING pre-existing, critical illness and maternity.
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4. FAMILY ASSISTANCE
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in emergencies, use family assistance to ask Kaiser to vouch for emergency admittance of family member to hospitals.
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5. LIFE INSURANCE COVERAGE
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Kaiser planholders have up to 4 way insurance benefit for 20 years or age 75, whichever comes first.
-- group term insurance*
-- waive of premium on death *
-- waiver of premium on total and permanent disability*
-- accidental death and dismemberment
*subject to underwriting
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6. GUARANTEED CASH BENEFIT
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For 13 consecutive years after the 7th year (hindi kailangan maghintay ng age 65) guaranteed health benefits (fund value) are given.
Unused health benefits accumulate with interest for 13 years. Health fund continue earning interest after maturity.
Accumulated health benefits consumable anytime.
May guaranteed na 3 - 10% annual interest that you can use as your guaranteed steady income during retirement even after only 20 years. Hindi kailangan maghintay na retirement age.
You also have the option to just leave it with Kaiser to accumulate.
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7. LIMITED PAYING PERIOD
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Kaiser Ultimate health builder has spot cash or 7 year paying period. Guaranteeed, no additional payments!
Pay only 7 years for pre-paid, consumable healthcare you can use till any age!
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8. EARLY MATURITY
Convertible to cash anytime after 20 years.
Kung kumuha age 10, maturity at age 30.
Hindi na kailangan maghintay ng 100 years old.
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9. UNUSED HEALTH BENEFITS AWARDED TO BENEFICIARY.
if member passes away with unused health benefits, unused benefits are inherited by beneficiary.
If member passes away during paying period, beneficiaries are given the life insurance proceeds, and the fully paid plan is inherited by primary beneficiary
