NAME: RENZ RED REGAL

BIRTHDATE: SEPTEMBE 15, 1989

BENEFITS

Kaiser Plan
K-45

Contract Price
185,288

Payment Period
7 years

Contract Period
20 years

Age
32

Long-Term Care Benefit

At the end of 20 years, you will receive this amount, regardless of your utilization.
45,000

Term Insurance
You are insured for 20 years. If you die during the 20-year period, your beneficiary will receive this
amount. Php405,000 if the cause of death is accident.
202,500

Annual Benefit Limit

During the paying period, 1st year to 7th year, you have Php50,000 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.
50,000

Room & Board Benefit

Part of your in-patient benefit during the paying period (1st to 7th year).
600/day

* Annual Health Benefit

During the accumulation period, 8th year to 20th year, you have annual health benefit of Php4,500. If
unused, this annual benefit will accumulate with 10% interest per year.
4,500
* Total Annual Health Benefit
This refers to the total accumulated fund, Php4,500 per year plus 10% interest per year (8th year to 20th
year). Assuming you don’t use your health fund.
121,387

* Additional Health Benefits

During 8th to 20th year, on top of 10% interest on annual health benefit of Php4,500, your fund is
earning dividend ranging from 3% to 10% per year. This amount refers to pre-computed total dividends.
200,888

Total Health Benefit

367,276

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 (Php185,288 x 85%)
157,500

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.
524,776

Long-Term Care Benefit at Age 60 (w/bonus)

Assuming you retain the P524,776 with Kaiser. This will become the total amount of your fund at age 60.
1,361,133

Annual Lifetime Health Care at Age 60 (w/bonus)

10% interest of your fund at age 60.
136,113

Long-Term Care Benefit at Age 65 (w/bonus)

Assuming you retain the P524,776 with Kaiser. This will become the total amount of your fund at age 65.
2,192,119

* Annual Lifetime Health Care at Age 65 (w/bonus)

10% interest of your fund at age 65.
219,212

Long-Term Care Benefit at Age 80 (w/bonus)

Assuming you retain the P524,776 with Kaiser. This will become the total amount of your fund at age 80.
9,157,024

* Annual Lifetime Health Care at Age 80 (w/bonus)

10% interest of your fund at age 80.
915,702
DISCLAIMER:
 YEARLY HEALTH CARE HBL Actual increment may vary depending on prevailing market rates but
in no case less then 3% p.a. THE TOTAL YEARLY HEALTH CARE HBL is the accumulation of unused
YEARLY HEALTH CARE HBL.
 The LONG TERM HEALTH CARE Experience Incentive HBL will be given upon maturity only, if the
member has no medical claim during the accumulation period other than Annual Physical Exam
and Dental Benefits.
 Age 32 is used for the illustation for the EXTENDED BENEFIT BALANCE at ages 60 and 65. It is
also assumed that approximately 85% of the Total Membership Fee is the LONG-TERM HEALTH
CARE Experience Incentive HBL.
 If floor is 6% there will be no additional YEARLY HEALTH CARE HBL.
 Non-PHILHEALTH members will have to pay for the PHILHEALTH's covered expenses first before
KAISER.
 The ROOM AND BOARD BENEFIT is covered only for the Accumulation Period. For the Extended
Period, your choice room and board budget will be charged to your YEARLY HEALTH CARE HBL.
 For seven (7) year Payment, the annual policy is Php500 during the Accumulation Period and
Php3,500 for Spotcash.
 Pre-existing Medical Conditions are not covered during the Accumulation Period.
 For illustrative purposes only.
 Version 1 of 2019. The Company reserves the exclusive right to change, update and revise prices
at any given time.