Kaiser International Health Group Inc. is registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.
Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.
An innovative program, the first of it's kind in the country;
Guarantees long-term care even after the age of sixty when the client has only himself to rely on;
Healthcare coverage, savings, emergency fund, and insurance rolled into one;
An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first seven (7) years of coverage;
A portable account! Even if you change or lose jobs, your plan and funds stay with you;
A four-way insurance coverage:
Term Life
Accidental death and dismemberment
Waiver of installment due to death
Waiver of installment due to permanent and total disability;
Outpatient benefits, annual physical examinations and dental coverage;
Coverage is for individuals but can be installed in companies as a health savings salary deduction program;
No exclusions from 8th year onward;
Flexible, Upgradeable within 30 days ;
Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a "Health Savings Account"
"Health Savings Account" earn interest beyond 20 years.
Benefits can be used up to any age.
Payable in 7 years only with fixed rates for the entire paying period;
Issue age up to 60, but coverability extends after 60; and,
Reinstatement can be done within 2 years after lapsed policy.