12/02/2026
How does Kaiser 3-1 work?
Kaiser 3-in-1 is a comprehensive savings plan that combines healthcare, life insurance, and investment. Here's how it works:
Key Components:
- Long-term Healthcare Coverage: Enjoy healthcare benefits that cover hospitalization expenses, with coverage extending up to age 100 and beyond.
- Life Insurance: Get term life insurance coverage for 20 years or up to age 70, providing financial protection for your loved ones.
- Investment: Grow your savings through strategic investments, with potential returns of 7-10% per annum.
How it Works:
1. Accumulation Period (7 years): Pay premiums for 7 years, during which you'll have access to healthcare benefits, annual physical exams, and dental check-ups.
2. Extended Period (13 years): After completing payments, let your investment grow and accumulate unused health benefits.
3. Maturity Year (20th year and beyond): Receive a lump sum payment or retain the fund to continue earning interest ¹ ².
Benefits:
- Free Annual Physical Exam and dental check-ups
- Hospitalization Benefits: up to PHP 50,000 or more per year, depending on your plan
- Life Protection: up to PHP 675,000 or more, depending on your age and plan
- Investment: potential returns of 7-10% per annum
- Flexibility: portable account, flexible payment options, and upgradeable plans
Plan Options:
- Ages 10-40: PHP 2,647/month minimum premium
- Ages 41-50: PHP 3,529/month minimum premium
- Ages 51-60: PHP 4,412/month minimum premium ²
Overall, Kaiser 3-in-1 provides a comprehensive solution for your healthcare, insurance, and investment needs
