Health is Wealth!

Invest in Your Future Long-Term Healthcare

Discover the Kaiser Ultimate Health Builder—the premier 3-in-1 program in the Philippines that combines an HMO, Health Savings, and Life Insurance into one solid investment for your future.

📊 GENERATE FREE PROPOSAL HERE

How the 3-in-1 Investment Program Works

Your Kaiser account is strictly divided into three strategic periods built around your retirement readiness:

⏳ Phase 1: Accumulation Period (Years 1 to 7)

You save and contribute for 7 years only.

  • Free Annual Physical Exam (APE): Complete blood count, X-Ray, Urinalysis, and more.
  • Free Dental Care: Annual cleanings and basic procedures.
  • 4-Way Insurance: Comprehensive Term Life and Accident protection.
  • Premium Waiver: Contributions waived in the event of death or total permanent disability.

📈 Phase 2: Extended Growth Period (Years 8 to 20)

Your contributions are 100% complete. Your money safely compounds.

  • Asset Optimization: Your built-up fund continues to earn consistent investment returns.
  • Yearly Hospital Care Limit: Access up to 10% of your Long-Term Care Value for health costs.
  • Active Life Coverage: Insurance riders remain securely locked in place.

🏆 Phase 3: Maturity Period (Year 21 Onwards)

The plan fully matures into cold, hard cash.

  • 85% Long-Term Health Bonus: If you stay healthy and don't use the plan during the first 7 years, Kaiser returns 85% of your total premiums back to you!
  • Retirement Ready Fund: Fully consumable for healthcare, or withdrawable as regular cash for anything you desire.
  • Compound Longevity: Leftover funds compound annually at an average rate of 10%.
📝 ONLINE SIGN-UP FORM 💬 CHAT WITH AN EDUCATOR

Frequently Asked Questions

Q: Can we trust Kaiser to fulfill its long-term commitments?
A: Yes. Kaiser International is strictly certified and regulated by the SEC and DOH. By government law, 51% of premium funds are held inside an untouchable Trust Fund handled by independent custodians.
Q: Who is eligible to avail of this plan?
A: All Filipinos, including OFWs, aged 10 to 60 years old can apply. Existing medical issues are accepted for baseline review subject to standard company approval.
Q: What happens if I make a medical claim in the first 7 years?
A: Your final maturity fund value will adjust slightly depending on the amounts claimed. However, your total maturity return still drastically out-values what you put into the program.
Q: Is the plan transferable if I relocate out of the country?
A: For institutional safety, policies cannot be manually transferred to others during your lifetime. However, it is fully transferable to your chosen primary beneficiary upon your passing.