We are duly accredited with the Department of Health

(DOH). Our Company is likewise, registered with the

Securities and Exchange Commission (SEC) on June
08, 2004 as a Health Care Provider with an Authorized
Capital Stock of Php 160M.
Kaiser's Board of Directors are seasoned experts in
the Medical field services and in the health care
industry with its Medical Director, DR. LEAH UY-
YOLO.
NEED PARTNER IN LIFE
AND HEALTH?
7+13 (20 years)

ULTIMATE KAISER
HEALTH BUILDER
3 IN ONE COMBO
BENEFITS:
1. HEALTHCARE
2. INSURANCE
3. SAVINGS
7+13 (20 years)

ULTIMATE KAISER
HEALTH BUILDER
DURING ACCUMULATION PERIOD
(1ST TO 7TH YEAR)
1. ANNUAL PHYSICAL EXAM
●
To be administered by an accredited clinic.
●
APE Coverage ( Basic 5 )

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

2. DENTAL BENEFITS

●
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
3. Basic Medical Health Benefits

* Accredited ( Physician's Fee, Specialist's Fee, Surgeon's Fee,Anaesthesiologist's Fee)

* Operating Room

* Hospital Intensive Care

4. Member’s choice of Room and Board, up to Php 1,000.00/Day

5. Yearly Medical Benefit Limit of Php 60,000/ year after

full payment of the first year of the total premium.

NOTE:
●

The above provisions 1, 2, 3, 4 and 5 can be availed

●
of after full payment of the first year of the total premium.
6. Term Life Insurance Coverage:

If the member dies before attaining the age of seventy (70) years and prior to this entitlement to the
Long-Term Care Benefit as indicated in the Schedule of Benefit (SOB), his beneficiary shall be entitled
to an amount equal to the sum of Long-Term Care Benefit and Long-Term Care Bonus upon approval
of the claim by the insurance company.
7. Accidental Death & Dismemberment:
Should the Member suffer, directly and Independently of all other causes, any bodily injury effected
solely through external, violent and accidental mean, occurring prior to the Member’s 70th birthday
and prior to the entitlement to the Long-Term Care Benefit, which result in any of the specified
losses within 180 days after the accident causing the injury, the insurance company will pay the
following:

DISMEMBERMENT

•Loss of Both Hands 100%

•Loss of Both Feet 100%
•Loss of One Hand and Sight of One Eye 100%
•Loss of one foot and Sight of One Eye 100%
•Loss of both Sight 100%
•Loss of One Hand and One foot 100%
8. Waiver of Installment due to Death/ Credit Life:

If the member during the accumulation period and before exceeding the age of seventy,
the proceeds of the credit life insurance shall be applied to the balance of this Contract Price
upon approval of the claim by the insurance company, if any. The difference, if any, shall be paid
to this designated beneficiaries.

9. Waiver of installment and Premiums due to Total and

Permanent Disability:

If the member becomes totally disabled during the accumulation period and before his 60th birthday
thereby preventing him from engaging in any occupation for compensation or profit, is so disabled for life,
and such disability continues for at least six (6) months, Kaiser shall waive the payment of each installment
becoming due during the life, and such disability, However, pending approval of the claim, installments should
be paid as at they fall due, subject to refund upon approval.
 10. Family Assistance
Service
Policy should be in ACTIVE status and plan should have completed at least
one (1) year payment

Nominated patient must be an immediate family member of the Policy Holder

or within the 1st degree of consanguinity

Policy Holder agrees to avail only of the services of Kaiser’s Accredited

Doctors and Affiliated network of Hospitals
Assistance to be provided by Kaiser shall only be to the extent of the allowable
●

benefits due to the plan holder under his policy.

Prior to discharge of the nominated patient, payment should have

●

been settled to Kaiser.

Kaiser's approval to avail of such assistance must first be obtained by

●

the member and the issuance of LOA will then be given.

Please note that this assistance is an accommodation and not considered a benefit of the plan,

hence approval & denial on the a ailment solely depends on Kaiser Management Evaluation.
Extended
Period
 1.Annual Health
Benefit
2. Long 3. Long Additional
Out Patient Benefit
In-Patient Benefit Term Care Term Care Health
Pre-Existing Benefit Bonus Benefit
Dreaded Illness
Maternity Benefit
Annual Health Benefit plus
the additional Health Benefit
 BANK A BANK B

YEAR 1 P100X10%= P10 P 100X10%= P10

YEAR 2 P 100X10%=P10 P 110X10%= P11
YEAR 3 P 100X10%=P10 P 121X10%=P12.10%
TOTAL 100+30 INTEREST= P 130 P 100+33.10= P 133.10

FIX 10% INTEREST PER YEAR COMPOUNDED

INTEREST (INTEREST
WITHIN INTEREST)
 PRE-EXISTING MEDICAL
CONDITION

1. Those illnesses/injuries considered to be in existence prior to the

effective date of the contract

2. Any professional advice or treatment was given for such illness

or condition

3. Such Illness or condition was in anyway evident to the member

before the effective date of the contract

4. The pathogenesis of such illness or condition started whether or

not the member is aware of it.
 The following illnesses will be covered
during extended period (8th-20th year)
Bronchial Asthma
Kidney Diseases
●

PTB
Blood Dyscrasia
●

COPD
Immunologic & Collagen Diseases
●

Diabetes
Endometriosis
●

Thyroid Diseases
Cholecystitis
●

Systemic Allergies
Hallux Valgus
●

Hernias
Lithiasis
●

DUB

Cancer
●

Chronic Hemorrhoids

Anal Fistula
Atherosclerosis
●

Gastric or Duodenal Ulcers CVD

●

Liver Cirrhosis CVA

●
 DREADED DISEASES
●
Cerebro- vascular accident (stroke) ●
Chronic Gastrointestinal Tract Disease requiring
bowel resection and/or anastomosis
●
Cardiovascular Disease (Coronary, Valvular/
Hypertensive Heart Disease/ Cardiomyopathy ) ●Collagen diseases (Rheumatoid Arthritis,
Systemic Lupus Erythematosus)
●
Diabetes Mellitus and its complications
●
Malignancies and Blood Dyscrasisas (Cancer.
●
Central nervous system lesions Leukemnia, Idiopathic, Thrombocytopenic
Purpura)
●
(poliolyelitis, Meningitis, Encephalitis,
Nerosurgical Conditions) ●
Single or multiple organ dysfunction and failure
(MODS and MOF)
●
Liver Parenchyma disease (Cirrhosis, Hapatitis
(except type A) new growth) ●
Conditions that may require dialysis
●
Chronic Obstructive Pulmonary Disease ●Chronic pain syndrome (greater than six weeks)
(Chronic Bronchitis/ Emphysema), Restrictive
lung disease ●
Any illness other that the above which would
require Intensive Care Unit confinement
●
Chronic Kidney/ Urological disease (Urolithiasis,
Obstructive Uropathies, Etc.) ●
Any other illness that is not mentioned above
and is not self-inflicted is included.
 PHILHEALTH
Your Philhealth benefit is integrated with
Kaiser.


Once admitted, you will be advised to file your PHILHEALTH
REIMBURSEMENT FORM. The Philhealth reimbursement due
shall be deducted from the total hospital bills.


Kaiser members without Philhealth membership, shall
shoulder and pay the corresponding portion of Philhealth.
If payment is made after the
grace period the contract shall
be considered LAPSED.
However, the owner shall be
given a grace period of 30 days/1
month to pay the due
installment benefits may be
provided to the member only
after the due installment is paid.
 REINSTATEMENT
UPDATE- member will pay the premiums due on all the missed months + surcharge of
1.5%/months or 18%/annum from the date of each unpaid installment.

REDATE- member will only pay the premium for the month but the maturity period will
be moved

Requirements:

Re instatement application form

Re-instatement fee of Php 300.00

Can be done within 2 years of the first unpaid due date

The member shall be considered a new applicant subject to pre-existing conditions and
for purposes of contestability of insurance coverage and to any other requirements for a
new applicant for membership in effect at that time

Kaiser will cancel the contract without need of notice to the owner if he fails to reinstate
within the prescribed period.

All reinstated plan shall be subjected to the new price

 CASH VALUE
SURRENDER

The owner may surrender the contract for its cash value stated in the Schedule
of Benefits provided the Plan is active for at least a year.
 The owner is allowed to transfer his rights
under his contract at any time.

TRANSFER
TRANSFER

•
Written request
•
Surrender of the agreement
•
Membership application signed by the transferee
•
Payment of processing fee (Php 300.00)
 UPGRADING OF PLAN & MODE OF PAYMENT
Plan can be upgraded within 30 days after its effectivity date.

Filled-out amendment form

Payment of processing fee- P300.00

Payment of additional installment corresponding to the updated plan

Mode of payment can be upgraded anytime after completion of its respective cycle

If within 30 days after purchase

Filled-out amendment form

Payment of additional installment due corresponding to the amount of the updated mode
of payment

If beyond 30 days after purchase

Filled-out amendment form

Payment of Processing fee- P 300.00

 ELIGIBILITY
10 - 40 years old = k 45
41-50 years old = k 60
51 – 60 years old = k 75
 PAYMENT
KAISER INTERNATIONAL HEALTHGROUP INC.

BPI FAMILY BANK

Account #: 6251-0171-64

BANK OF THE PHILIPPINE ISLAND

Account #: 3711-0062-13

UNION BANK

Account #: 002-03-0-00845-1

BANCO DE ORO

Account #: 4280021263

E-mail add: customercare@kaiserhealthgroup.com

Tel.# 2748202, 03,05 Fax # 811-1878 or 759-5538

For inquiry and assistance, please email or call:

marketing@kaiserhealthgroup.com
Business #:
0917-5838854
(02) 2748202, 6237260