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18/11/2025

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18/11/2025

18/11/2025

KAISER 3IN1 IS THE BEST HMO.

15/10/2025

Ayaw ng HMO (Healthcare Maintenance Organization) kasi kumuha na ng VUL (Variable Universal Life) insurance with some riders.
Read to understand, bago kumuha intindihin. Lamang ang may alam.

Tara usap tayo. Message me.

Client: I don't need HMO because I already have VUL insurance and I am paying the CIB and HIB rider as well.

IMG Educator: That's good to hear maam/sir. But let me share some inputs if it's ok.

>>HMO covers all kinds of illnesses. Every time you get hospitalized for whatever reason, it pays the bill. Recommended.

>>CIB (Critical Illness Benefit) is good because it prepares us for the worst. But you can only use this if your health issue is on the critical illness list. Meaning, you can't claim if it's just a simple migraine or headache. It needs to be a "brain tumor" in order for you to get covered.

>>HIB (Hospital Income Benefit) is also good because it provides daily allowance during the insured's stay in the hospital. Normally around 1,000 or 2,000 per day depending on the premium you're paying. Let's just say you don't have an HMO, only HIB, you've been hospitalized due to severe diarrhea, you stayed in the hospital for 4 days but your bill is 50k because of the antibiotics, room and board, doctor's fees and other fees. HIB only covers 4k or 8k then. How about the remaining 46k? How can it help?

Client: Really? I didn't know that. I didn't read my policy.

IMG Educator: I'm not saying that you terminate your riders. I'm saying you need to understand what are those for. What are the limitations and how to fill those gaps in? No need to choose. Get them all if you can.

This is a concept our organization, IMG, is sharing to the community.

P.S. Sometimes HMO premiums are cheaper than these. (depending on age)

P. S. Kaiser is HMO

Tara usap Tayo! Message me.

15/10/2025

Reasons why you should choose Kaiser International HealthGroup, Inc.
Get yours Now!
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04/10/2025

One Team
Onr Community

04/10/2025

Bakit magandang mag-𝗜𝗡𝗩𝗘𝗦𝗧 sa 𝗞𝗔𝗜𝗦𝗘𝗥 ngayon na?
Dahil hindi natin hawak ang panahon, at may tatlong bagay na siguradong mangyayari:

1️⃣ 🩺 HEALTHCARE – Kapag biglang nagkasakit, may pangpagamot ka. Hindi mauubos ang ipon, hindi ka mabaon sa utang.
2️⃣ 💱 INVESTMENT – Pagdating ng retirement, may pension replacement ka. Hindi ka aasa sa anak o ibang tao.
3️⃣ 👨‍👩‍👦 LIFE INSURANCE – Kung bigla kang mawala, may maiiwan kang proteksyon at seguridad para sa pamilya mo.

⚠️ Isang sakit lang, pwedeng maubos lahat ng ipon.
⚠️ Isang aksidente lang, pwedeng masira ang kinabukasan ng pamilya.

👉 Kaya habang malakas ka pa at may kakayahan pang mag-ipon—simulan mo na!
Kaiser The Number1 HealthCare
Kaiser International HealthGroup, Inc.

24/07/2025

24/07/2025