THE KAISER ADVANTAGE

 ***Pre-existing illnesses are not covered during the accumulation/paying period.

3. Family Assistance Program – After 1 year from accumulation, the immediate family of the plan holder could avail 20-30% discount from the total bill on accredited hospitals/clinics subject for approval by Kaiser.

4. Emergency Fund – The plan holder could use his Kaiser Healthcard for admission to the accredited hospitals and physicians instead of paying the required deposit amount. This benefit could also be extended for the plan holder’s immediate family subject for approval by Kaiser.

5. Basic Medical Benefits – during and beyond extended period, or after the 7-year paying period

Ø Yearly Health Benefits – A guaranteed 10% yearly accumulation based on the Long Term Care Benefit will start from 8th year and will continue accumulating as long as you have funds

Ø Benefits in addition to the basic medical benefits during the Accumulation Period:

 Pre-existing illnesses are covered

 Consultation Fee (charges for diagnosis or treatment)

 Out-patient medicines and all illness including cosmetic and maternity are        covered on the 8th year onwards

Ø Special & Extended Benefits

 Magnetic Resonance Imagin (MRI)

 Nuclear/Radioactive Isotope Scan

 CT Scan, Dialysis, Blood Transfusion

 Physical / Speech Therapy

 Anti-Rabies, Venom & Tetanus Vaccine

 Emergency Benefits (Ambulance)

6. Long Term Care Benefit – equivalent to the plan purchased

Availment: On the 20th year/maturity of the Plan or Contract

7. Long Term Care Bonus – amount for which the holder is entitled to if he has not incurred any medical claim or availed of any medical benefits other than the Annual Physical Exam and Dental Benefits during the Accumulation Period (7-year paying period). This amount is equivalent to 85% of the Total Contract Price.

Availment: On the 20th year/maturity of the Plan or Contract.

8. Total Health Benefits – The TOTAL amount of Total Accumulated Unused Health Benefits PLUS Long-Term Care Benefit PLUS Long-Term Care Bonus.

Availment: On the 20th year/maturity of the Plan or Contract.

9. Four way insurance coverage from the 1st to 20th year of the plan

If, at the time of signing the Membership Application, the Plan Holder is in good health, is at least eighteen (18) but not more than
sixty-seven (67) years old and performing the normal activities of daily life, he shall be insured by Kaiser under a Group Master Insurance
Contract underwritten by a reputable and duly authorized insurance company, as described below:

    Term Life – If the plan holder dies before attaining the age of sixty-seven (67) years and prior to his entitlement to the Long Term
Care Benefit, his beneficiary shall be entitled to an amount equal to the sum of Long Term Care Benefit and Long Term Care Bonus upon approval of claim by the insurance company.

    Accidental Death & Dismemberment – Should the plan holder suffer, directly and independently of all other causes, any bodily injury effected solely through external, violent and accidental means, occuring prior to the plan holder’s 67th birthday and prior to his entitlement to the Long Term Care Benefit, which result in any of the specified losses within 180 days after the accident causing the injury, the insurance company will pay the following:

    Waiver of Installment due to Death/Credit Life Insurance – If the paln holder dies during the Accumulation Period and before   exceeding the age of sixty-seven (67), the proceeds of the credit life insurance shall be applied to the balance of this Contract Price upon approval of the claim by the insurance company, if any. The difference, if any, shall be paid to his designated beneficiaries.

    Waiver of Installment due to Total and Permanent Disability – If the plan holder becomes totally disabled during the Accumulation Period and before his 60th birthday thereby preventing him from engaging in any occupation for compensation or profit, is so disabled for life, and such disability continues for at least six (6) months, Kaiser shall waive the payment of each installment becoming due during the life, and such disability. However, pending approval of the claim, installments, should be paid as they fall due, subject to refund for approval.

10. Flexible benefit design based on the premium that a person can afford or wants to save for his long term healthcare.

11. Total Health Benefits becomes good as cash on the 20th year /maturity. The plan holder may choose to withdraw some of his funds, and he will still be covered as long as he have remaining funds on his account.