1st PERIOD: Accumulation Period or The Paying Period (First 7 Years)

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 (next 13 years)

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.