Ultimate Kaiser Health Builder

Lifetime access to over 500 hospitals and over 1,000 doctors , including accredited hospital room and board,
physician/specialist services, surgeon, ICU, operating room fee , with restrictions.*
Accumulation period. First seven (7) years
 Benefit of free Annual Physical Examination after the first year.
 Benefit of free Dental Checkup, annual dental prophylaxis, including unlimited simple tooth extractions
 Term Life Insurance (up to age 70) 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
Extended Period. Next thirteen (13) years
 Term Life Insurance (up to age 70) with Accidental Death and Dismemberment Riders
 Yearly Health Benefit
 Yearly Health Bonus
 Accumulation of Unused Health Benefits/Bonus at 7-10%
 In-patient and outpatient benefits subject to remaining member accumulated fund
On Maturity after 20 years. Option to Withdraw
 Long term care bonus: Return of up to 85% of premiums paid if no claim made during accumulation period.
 Long term care benefit.
 Accumulated unused health benefits.
Long term Care Period. After 20 years
 In-patient and outpatient benefits subject to accumulated unused health benefits
 Remaining accumulated fund earns interest at 7-10%

Y E A R
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 … …
Short Term Health Care       
Annual Physical Examination       
Dental Benefits       
In-patient Benefits* 1       
Waiver of premium on death       
Term Life Insurance with ADD                    
Extended Period Health Care             
In-patient Benefits* 2             
2
Outpatient Benefits*             
Yearly Health Benefit             
Yearly Health Bonus             
Accumulation of unused benefit             
7-10% fund growth                
Kaiser Debit Card                
Long Term Health Care   
In-patient Benefits* 2   
2
Outpatient Benefits*   
1
* Except for pre-existing conditions and dreaded diseases, up to annual benefit limit and net of PhilHealth component
*2 Subject to amount of accumulated personal fund balance Copyright © 2015 www.TrulyRichMakers.biz
 Ultimate Kaiser Health Builder
Short Term Healthcare Long Term Healthcare
Traditional HMO HEALTH SAVINGS ACCOUNT
Renewal not guaranteed if with high claims Renewal is guaranteed
Yearly increase of premium Fixed premiums for 7 years
Generally, no insurance coverage. With Four (4) Way Insurance Coverage up to the Long Term
Some provide insurance, but very low coverage healthcare Plan:
 Term Life
 Accidental Death and Dismemberment
 Waiver of Installment due to death
 Waiver of Installment due to Permanent and Total
Disability
No accumulation of unused health fund All unused health fund accumulates with interest
No return of premiums (ROP) for non-utilization With returns of premiums up to the contract price for non-
utilization during the paying period
Covers only up to age 60 Covers beyond age 60 with long term care yields *
Pre-existing illness is not covered during the 1st year Lifetime Pre-existing is not covered during accumulation period. No
nd
/ permanent exclusions may be issued on the 2 year exclusions after the 7th year of coverage *
onwards
Inflexible, non-transferable benefit design Flexible, transferable, and may be re-dated benefit design

Reinstatement possible within 30 days of lapsed policy Reinstatement within 2 years of lapsed policy
Access to non-accredited physicians and medical network is Access to non-accredited physicians and medical network is
not covered covered after accumulation period
Out-patient medicines and cosmetic treatments not covered. Out-patient medicines and all illness including cosmetic and
maternity are covered after accumulation period.
Continuous yearly payment terms. Seven (7) years or spot-cash payment options.
Anxious, worrisome and insecure healthcare status after No worries...
employment or during retirement years.
K - 45 K - 50 K - 60 K - 75 K - 100 K - 200
Term Insurance 202,500 225,000 270,000 337,500 450,000 900,000
Annual Benefit Limit 50,000 50,000 50,000 60,000 60,000 110,000
Room and Board Benefit 600 700 800 900 1,000 1,400
Maximum Maturity Value 524,776 583,084 699,701 874,626 1,166,169 2,332,337
Annual Policy Fee 500 500 500 500 500 500
Monthly Installment 2,647 2,941 3,529 4,412 5,882 11,764
Annual Installment 26,470 29,411 35,293 44,116 58,821 117,643
Present Age Value at Age 60
20 3,530,431 3,922,697 4,707,238 5,884,049 7,845,401 15,690,795
25 2,192,120 2,435,686 2,922,824 3,653,531 4,871,377 9,742,749
30 1,361,134 1,512,370 1,814,844 2,268,556 3,024,742 6,049,481
35 845,157 939,062 1,126,875 1,408,595 1,878,127 3,756,252
40 524,776 583,084 699,701 874,626 1,166,169 2,332,337
Value at Age 65
41 1,024,432 1,280,540 1,707,388 3,414,774
45 699,701 874,626 1,166,169 2,332,337
Value at Age 70
46 1,024,432 1,280,540 1,707,388 3,414,774
50 699,701 874,626 1,166,169 2,332,337
Value at Age 75
51 1,280,540 1,707,388 3,414,774
55 874,626 1,166,169 2,332,337
Value at Age 80
56 1,280,540 1,707,388 3,414,774
60 874,626 1,166,169 2,332,337
Copyright © 2015 www.TrulyRichMakers.biz