Policy Fee: Php500 per year for 7 years
| Kaiser Plan | K-100 |
| Contract Price | 411,750 |
| Payment Period | 7 years |
| Contract Period | 20 years |
| Age | 10 |
| Long-Term Care Benefit
At the end of 20 years, you will receive this amount, regardless of your utilization. |
100,000 |
| Term Insurance
You are insured for 20 years. If you die during the 20-year period, your beneficiary will receive this amount. Php900,000 if the cause of death is accident. |
450,000 |
| Annual Benefit Limit
During the paying period, 1st year to 7th year, you have Php60,000 Annual Benefit Limit (ABL). During the paying period, this is your in-patient benefit. You can avail this annual benefit if you need to be confined in a hospital. I recommend you get short-term healthcare separate from this long-term healthcare if you want to have a card that you can use for consultation/out-patient banefits. |
60,000 |
| Room & Board Benefit
Part of your in-patient benefit during the paying period (1st to 7th year). |
1,000/day |
| * Annual Health Benefit
During the accumulation period, 8th year to 20th year, you have annual health benefit of Php10,000. If unused, this annual benefit will accumulate with 10% interest per year. |
10,000 |
| * Total Annual Health Benfit
This refers to the total accumulated fund, Php10,000 per year plus 10% interest per year (8th year to 20th year). Assuming you don’t use your health fund. |
269,750 |
| * Additional Health Benefits
During 8th to 20th year, on top of 10% interest on annual health benefit of Php10,000, your fund is earning dividend ranging from 3% to 10% per year. This amount refers to pre-computed total dividends. |
446,419 |
| Total Health Benefit | 816,168 |
| Long-Term Care Bonus
If you don’t avail your in-patient benefits during paying period (1st to 7th year), you will receive bonus on the 20th year. Bonus is 85% of total premium paid (Php411,750 x 85%) |
350,000 |
| Long-Term Care Benefit At Maturity Age
This refers to your total fund at the end of 20 years. You can withdraw this amount or retain with Kaiser. You can retain the full amount or a portion of it. Amount you retain with Kaiser which could earn 10% interest per year. |
1,166,168 |
| Long-Term Care Benefit at Age 60 (w/bonus)
Assuming you retain the P1,166,168 with Kaiser. This will become the total amount of your fund at age 60. |
20,348,942 |
| Annual Lifetime Health Care at Age 60 (w/bonus)
10% interest of your fund at age 60. |
2,034,894 |
| Long-Term Care Benefit at Age 65 (w/bonus)
Assuming you retain the P1,166,168 with Kaiser. This will become the total amount of your fund at age 65. |
32,772,174 |
| * Annual Lifetime Health Care at Age 65 (w/bonus)
10% interest of your fund at age 65. |
3,277,217 |
| Long-Term Care Benefit at Age 80 (w/bonus)
Assuming you retain the P1,166,168 with Kaiser. This will become the total amount of your fund at age 80. |
136,897,503 |
| * Annual Lifetime Health Care at Age 80 (w/bonus)
10% interest of your fund at age 80. |
13,689,750 |
