Kaiser International Healthgroup, Inc. is a registered health care provider in the Philippines that offers various HMO plans to both corporate and individual customers. It is led by an experienced board of directors in the medical field. The company's flagship product is the Premium Healthcare Builder Plan, a long-term savings plan that provides health care coverage for up to 20 years in the future. Key benefits include annual health checks, dental coverage, hospitalization coverage, and a lump sum payout or lifetime health benefits depending on the plan chosen.

1. KAISER INTERNATIONAL HEALTHGROUP, INC.
 We are duly accredited with the Department of Health
(DOH). Our Company is likewise, registered with the
Securities and Exchange Commission (SEC) on June 08,
2004 as a Health Care Provider with an Authorized Capital
Stock of Php 160M.
 Kaiser's Board of Directors are seasoned experts in the
Medical field services and in the health care industry with
its President and Medical Director Dr. Ramon B. Abragan,
Jr., a former DOH Head Executive Assistant, a former
Consultant to the DOH Secretary and a former member of
Medical Board of Examiner- Philippine Regulation
Commission (PRC).

2. KAISER INTERNATIONAL
HEALTHGROUP, INC.
 Kaiser International Healthgroup,
Inc.,as an HMO Company caters to
both corporate, group, family and
individual accounts with our various
short term plan packages that would
suit your health care requirements.
 We offer the following HMO Plans:
 Kaiser Healthcard Individual
 Kaiser Healthcard Family
 Kaiser Healthcard Mini- Group (10-49
members)
 Kaiser Healthcard Group (50-99
members)
 Kaiser Healthcard Corporate (100
members and above)
 Senior Care Plan
 Daily Health Plan
 Kaiser International Health Group Inc. is
also offering a one of a kind HMO
Product, the Premium Healthcare
Builder Plan (long term plan).
ULTIMATE Kaiser Health Builder.
 A five (5) year paying and a ten (10) year
waiting plan; and a (7) year paying and
(13) year waiting plan.
 Designed to provide healthcare beyond
that of an HMO.
 Allows individuals to save during
employment while still being covered by
Company’s health plan
 Geared to address the long term health
care needs of individuals especially after
employment and retirement years
 Securing a more comfortable elderly life.

5. Issue Age
22
PAYMENT
PERIOD:
7
YEARS ULTIMATE KAISER HEALTH BUILDER
START OF LONG-
TERM CARE:
20
YEARS
POLIC
Y FEE:
P500.00 / year for 7
years
SEVEN-YEAR PAY
BENEFITS INFORMATION PRICING INFORMATION
Long-
Term
Care
Benefit
Term
Insuran
ce Annual
Benefit
Limit
Room
and
Board
Benefi
t
Annual
Health
Benefit
Total
Annual
Health
Benefit
Additio
nal
Health
Benefit
s
Total
Health
Benefit
s
Long-
term
Care
Bonus
Long-
term
Care
Benefit
At
Maturity
Long-
term
Care
Benefit At
Age 60
Annual
Lifetime
Health
Care At
Age 60
Long-
term
Care
Benefit At
Age 65
Annual
Lifetime
Health
Care At
Age 65
Contrac
t Price
Annual
Installm
ent
Semi-
Annual
Installm
ent
Quarterl
y
Installm
ent
Monthly
Installm
ent
(10% x
A)
(B @
10%)
Age (With
bonus)
(With
bonus)
(With
bonus)
(With
bonus)
A B C D
(A+C+
D) E
(A + C +
D + E)

6. DURING ACCUMULATION PERIOD (1ST TO 7TH YEAR)
1. ANNUAL PHYSICAL EXAM
•To be administered by an accredited service provider.
•APE Coverage ( Basic 5 )
Physical Examination, Chest X-Ray, Routine Fecalysis,
Routine Urinalysis, Complete Blood Count
ECG for Members above 35 and Pap
Smear for Female Members above 35 years old or as
required
2. DENTAL BENEFITS
•Unlimited Dental Check Ups
•Unlimited Simple tooth extraction
•Once A year Free Dental Prophylaxis
•Re cementation of jacket, crowns, inlays, on lays
and
•Minor adjustment of Dentures

7. 3.Basic Medical
Health Benefits
*Accredited
(Physician’s Fee,
Specialist’s fee,
Surgeon’s Fee,
Anesthesiologist’s
Fee)
*Operating Room
*Hospital Intensive
Care
4. Member’s choice of
Room and Board, up
to Php 1,000.00/Day
5. Yearly Benefit Limit
of Php 60,000/ year

8. 8. Waiver of Installment due to Death/ Credit Life: If the member during
the accumulation period and before exceeding the age of seventy, 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 this designated beneficiaries.
9. Waiver of installment and Premiums due to Total and
Permanent Disability: If the member 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
at they fall due, subject to refund upon approval.
6. Term Life Insurance Coverage: If the member dies before attaining the age of seventy
(70) years and prior to this entitlement to the Long-Term Care Benefit as indicated in the Schedule of Benefit (SOB),
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 the claim by the insurance company.
7. Accidental Death & Dismemberment: should the Member suffer, directly and
Independently of all other causes, any bodily injury effected solely through external, violent and accidental mean, occurring prior
to the Member’s 70th birthday and prior to the 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:
DISMEMBERMENT
•Loss of Both Hands 100%
•Loss of Both Feet 100%
•Loss of One Hand and Sight of One Eye 100%
•Loss of one foot and Sight of One Eye 100%
•Loss of both Sight 100%
•Loss of One Hand and One foot 100%

9. n.b.
All claims under the above insurance coverage shall be subject to contestability as provided for by
law, but for a reduced period of two (2) years from the date of issue or reinstatement of this contract.
If the Member dies during the accumulation period, the Principal Beneficiary named herein shall be
substituted as the new Member, but no longer with insurance benefits and subject to the provisions
on Pre-existing illness of Injury.

10. 10. Family Assistance Service
 Policy should be in ACTIVE status and plan should have completed at least one
(1) year payment
 Nominated patient must be an immediate family member of the Policy Holder
or within the 1st degree of consanguinity
 Policy Holder agrees to avail only of the services of Kaiser’s Accredited Doctors
and Affiliated network of Hospitals
 Assistance to be provided by Kaiser shall only be to the extent of the allowable
benefits due to the plan holder under his policy.
 Prior to discharge of the nominated patient, payment should have been settled
to Kaiser.
Please note that this assistance is an accommodation and not considered a benefit
of the plan, hence approval & denial on the a ailment solely depends on Kaiser
Management Evaluation.

12. PRE-EXISTING
MEDICAL
CONDITION
(covered after accumulation period)
Those illnesses/injuries
considered to be in existence
prior to the effective date of
the contract
Any professional advice or
treatment was given for such
illness or condition
 Such Illness or condition
was in anyway evident to the
member before the effective
date of the contract
The pathogenesis of such
illness or condition started
whether or not the member
is aware of it.
The following illnesses will be covered during
extended period (8th-20th year)
 Bronchial Asthma
 PTB
 COPD
 Diabetes
 Thyroid Diseases
 Systemic Allergies
 Hernias
 DUB
 Chronic Hemmoroids
 Anal Fistula
 Gastric or Duodenal Ulcers
 Liver Cirrhosis
 Kidney Diseases
 Blood Dyscrasia
 Immunologic & Collagen Diseases
 Endometriosis
 Cholecystitis
 Hallux Valgus
 Lithiasis
 Cancer
 Atherosclerosis
 CVD
 CVA

13. PHILHEALTH
Your Philhealth benefit is integrated with
Kaiser.
 Once admitted, you will be advised to file
your PHILHEALTH REIMBURSEMENT FORM.
The Philhealth reimbursement due shall be
deducted from the total hospital bills.
 Kaiser members without Philhealth
membership, shall shoulder and pay the
corresponding portion of Philhealth.

14. If payment is made after
the grace period the
contract shall be
considered LAPSED.
However, the owner shall
be given a grace period of
60 days/2 month to pay
the due installment
benefits may be provided
to the member only after
the due installment is
paid.

15. REINSTATEMENT
 UPDATE- member will pay the premiums due on all the missed months +
surcharge of 1.5%/months or 18%/annum from the date of each unpaid
installment.
 REDATE- member will only pay the premium for the month but the maturity
period will be moved
 Requirements:
 Re instatement application form
 Re-instatement fee of Php 300.00
 Can be done within 2 years of the first unpaid due date
 The member shall be considered a new applicant subject to pre-existing
conditions and for purposes of contestability of insurance coverage and to any
other requirements for a new applicant for membership in effect at that time
 Kaiser will cancel the contract without need of notice to the owner if he fails to
reinstate within the prescribed period.
 All reinstated plan shall be subjected to the new price

16. The owner may surrender the contract for its cash value stated in the Schedule
of Benefits provided the Plan is active for at least a year.
CASH VALUE
SURRENDER

17. TRANSFER
The owner is allowed to transfer his rights under his contract
at any time.
•Written request
•Surrender of the agreement
•Membership application signed by the transferee
•Payment of processing fee (Php 300.00)
TRANSFER

18. UPGRADING OF PLAN & MODE OF PAYMENT
 Plan can be upgraded within 30 days after its effectivity date.
 Filled-out amendment form
 Payment of processing fee- P300.00
 Payment of additional installment corresponding to the updated plan
 Mode of payment can be upgraded anytime after completion of its respective
cycle
 If within 30 days after purchase
 Filled-out amendment form
 Payment of additional installment due corresponding to the amount of the
updated mode of payment
 If beyond 30 days after purchase
 Filled-out amendment form
 Payment of Processing fee- P 300.00
 Computation of dues based on the desired mode of payment
 Downgrading of plan and mode of payment is not allowed.

19. ELIGIBILITY
10 - 40 years old = k 45
41-50 years old = k 60
51 – 60 years old = k 75

20. PAYMENT
KAISER INTERNATIONAL HEALTHGROUP INC.
BPI FAMILY BANK
Account #: 6251-0171-64
BPI
Account #: 3711-0062-13
UNION BANK
Account #: 002-03-0-00845-1
BDO
Account #: 4280021263
E-mail add: customercare@kaiserhealthgroup.com
Tel.# 892-9634 to 36 Fax # 811-1878 or 759-5538

21. For inquiry and assistance, please email or call:
marketing@kaiserhealthgroup.com
Business #: 0917-5838854
(02) 8929634 to 36