Let me tell you about Marie, a 36-year-old single mom and a nurse.
She was just like many of us—busy working, providing for her child, and hoping nothing bad ever happened. She thought government healthcare was enough. She thought life insurance could wait. She thought her retirement fund could start later.
Until one day, she got a late-night call: her mother had collapsed. The hospital bills? Astronomical. She maxed out her credit cards. And when she looked at her finances after everything… she realized she had nothing left. No backup plan. No protection.
That’s when she reached out to me—and discovered a product that could have changed everything before the emergency happened.
This is her story. But it could also be yours.
And this is why I now share the Kaiser Ultimate Healthcare Builder Savings Plan—a single financial product that changed my life too.
What is the Kaiser Ultimate Healthcare Builder Savings Plan?
The Kaiser Ultimate Healthcare Builder Savings Plan (Kaiser 3-in-1) is a financial tool that combines three powerful benefits in one:
- Healthcare (HMO) Coverage
- Life Insurance (Income Protection)
- Long-Term Investment for Retirement
It’s available for Filipinos aged 10 to 60 years old, and it’s a 7-year payment plan with healthcare and investment coverage up to 20 years.
The Three Biggest Financial Needs It Solves
1. Healthcare Needs (Short-Term to Long-Term)
- Immediate HMO coverage (starting on the 2nd year)
- Long-term healthcare fund buildup
- Free annual checkups
- Accredited hospitals nationwide
2. Income Protection (Life Insurance)
- Protects your family if something happens to you
- Peace of mind that your loved ones won’t be left empty-handed
3. Retirement and Investment Fund
- Earn dividends from investments managed by Kaiser
- Funds are available when you need them most—in old age
- Builds wealth even after you stop paying
Visual Overview: What You’re Really Getting
| Feature | Kaiser Plan Offers |
|---|---|
| Healthcare Coverage | Yes – through HMO & hospitalization benefits |
| Life Insurance | Yes – with guaranteed life protection benefits |
| Retirement Fund | Yes – via investments/dividends for long-term planning |
| Short-term gains only | No – this is a long-term solution |
| Healthcare only or Insurance only | No – it’s a 3-in-1 bundled solution |
| Age Eligibility | 10 to 60 years old |
| Payment Duration | 7 years only |
| Coverage Duration | Up to 20 years, or even more |
| Returns | Long-term dividends + health fund growth |
Growth Over Time: What Your Plan Could Look Like
Here’s a sample projection for a 30-year-old getting a K100 plan (₱2,647/month for 7 years):
Year 1-7: Paying Period
- HMO coverage starts at Year 2
- Insurance protection in place
Year 8-20: Maturity Period
- No more payments
- Health fund earns interest
- Investment grows
Year 20 Onward:
- Estimated maturity value: ₱446,000+
- Lifetime healthcare fund available
- Use it as a retirement emergency fund
What I Love Most About This Plan
I got this plan myself—and here’s what made me fall in love with it:
- 3-in-1 Protection: I didn’t need to buy separate HMO, insurance, and retirement plans.
- Affordability: For just ₱2,647/month (K100), I’m building a future while protecting my present.
- Peace of Mind: I sleep better knowing I won’t be a burden to anyone in my old age.
Honest Feedback: One Thing to Improve
I’m always transparent with my clients, and here’s something you should know:
Your payment sometimes takes 3-14 days to reflect in the system.
While this doesn’t affect your benefits, it can be inconvenient for some. A bit of patience and communication with your agent (like me!) will go a long way.
Who Should Get This Plan?
This product is perfect for:
- Parents building protection for their family
- OFWs who want future security for their loved ones
- Future retirees who don’t want to depend on children
- Young professionals starting their financial journey
Age Eligibility: 10–60 years old
Best Time to Start: NOW — the younger you are, the cheaper the plan.
Quick Comparison: Kaiser vs. Typical Plans
| Feature | Kaiser Plan | Traditional HMO | Basic Life Insurance |
|---|---|---|---|
| Healthcare Coverage | Yes | Yes | None |
| Life Insurance | Yes | None | Yes |
| Investment/Earnings | Yes (with returns) | None | Usually none |
| Lifetime Benefit | Yes (after 20 years) | No | No |
| Affordability | 7 years to pay | Monthly forever | Monthly forever |
| Best for | All-in-one financial foundation | Short-term illnesses | Death-only protection |
FAQs: Common Questions Answered
Is this plan legit?
Yes. Kaiser is an accredited healthcare provider and partner of International Marketing Group (IMG), regulated by the Insurance Commission.
Can I use this for my parents or kids?
Yes! As long as they are aged 10 to 60, you can enroll them.
What happens after 7 years?
You stop paying—but your investment continues growing until the 20th year and beyond.
Can I use this for emergencies?
Yes, especially during the maturity stage. Your healthcare fund will be there when you need it most.
Final Thoughts: Why I Recommend This
If you’re like Marie, or even like me before I got this plan…
You probably think it’s okay to delay financial planning.
You might think you can “worry about retirement later.”
But emergencies don’t wait. And neither should you.
I always say:
“Ang tunay na pag-ibig ay hindi lang sa salita—kundi sa paghahanda.”
Protecting your family means planning today.
With Kaiser, you don’t need three separate products.
You only need one powerful, flexible, and future-proof plan.
Ready to Take Control?
If this review made sense to you—don’t wait for a medical emergency, a job loss, or retirement with nothing.
Send me a message now to learn how YOU can start your Kaiser Plan.
I’ll help you compute, apply, and even guide you on how to build your entire financial foundation.
Kaiser Ultimate Healthcare Builder Savings Plan
Life Insurance | HMO Healthcare | Retirement Investment
Available for Ages 10–60 | Pay for 7 Years Only