What are the primary benefits of the Long-Term Care plan?

Kaiser International Healthgroup, Inc. is a licensed health maintenance organization (HMO) in the Philippines. . Unlike traditional HMOs that focus solely on short-term medical coverage, Kaiser is notable for its Long-Term Care (LTC) plans, which combine healthcare, savings, and investment features.

General Information

What is the difference between Kaiser’s Short-Term and Long-Term plans?

• Short-Term Care (Traditional HMO): Designed for immediate, year-to-year medical needs (hospitalization, outpatient, emergency care). Premiums typically increase with age, and renewal is not guaranteed if claims are high.
  
  
• Long-Term Care (Health Savings Account): A 7-year installment plan that provides healthcare coverage during the paying period and accumulates "Health Savings" for retirement. After the 7th year, the plan allows for continued coverage and benefit accumulation.
  
  

Is Kaiser affiliated with Kaiser Permanente (USA)?

No. Kaiser International Healthgroup, Inc. is a Philippine-based company and is not affiliated with the U.S.-based Kaiser Permanente.

Long-Term Care (LTC) Plans

What are the primary benefits of the Long-Term Care plan?

• Four-Way Insurance: Includes Term Life, Accidental Death & Dismemberment (AD&D), Waiver of Installment due to Death, and Waiver of Installment due to Permanent Disability.
  
  
• Fixed Payments: Premiums are fixed for the 7-year paying period.
  
  
• Return of Premium (ROP): If the plan is not utilized (no claims made) during the first 7 years, a portion of your payments may be returned.
  
  
• Portability: The plan is personal and stays with you, regardless of changes in employment.
  
  
• No Exclusions (Post-7th Year): Pre-existing conditions and other exclusions are generally removed after the 7th year.
  
  

At what age can I apply for an LTC plan?

Kaiser generally accepts applicants up to age 60, though coverage benefits continue beyond age 60.

Usage & Coverage

How do I use the Kaiser Healthcard?

For in-patient and emergency care, Kaiser utilizes an automated admission system via a swipe card or QR technology at accredited hospitals.

What is covered under the annual physical examination (APE)?

Standard APE packages typically include:

• Complete Blood Count (CBC)
  
  
• Urinalysis and Fecalysis
  
  
• Chest X-ray
  
  
• Electrocardiogram (ECG) for those 35–40+ years old
  
  
• Pap Smear for women (as prescribed)
  
  

Are pre-existing conditions covered?

In traditional short-term plans, pre-existing conditions are often excluded in the first year. In Long-Term Care plans, pre-existing conditions are not covered during the initial accumulation period (first 7 years) but are generally covered thereafter.

Support & Administration

How can I check my account status?

Members can access their account details through the Member’s Login portal on the official Kaiser Health Group website.

What happens if I miss a payment?

Reinstatement of a lapsed policy is typically allowed within 2 years, subject to company policies. It is recommended to contact Kaiser member support directly for specific instructions regarding your plan status.

Note: Always review your specific policy contract (Table of Benefits) before enrollment, as coverage limits, exclusions, and professional fee reimbursements can vary based on the specific plan type (e.g., K-100, K-General, Senior Care) chosen.

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