Joy Rapiñan

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Joy Rapiñan

Main Account: Jhoy Rapiñan

Marketing Director
@ International Marketing Group (IMG)

Empowering Filipinos to achieve financial freedom through Kaiser Longterm Care | Passionate about helping people secure their future.

10/03/2026

Just me today 😌

16/02/2026

🚨 SWERTE NG LOTTO? Libu-libong tao umaasa dyan... pero stats don't lie—mas maraming talo kaysa panalo! 🎰😔

Totoong jackpot? Diskarte + sipag sa future mo!

Sa Kaiser, hindi ka umaasa sa ticket—may Lifetime Healthcare coverage, Life insurance, at investment growth na tumutubo over time.

After 7 years of consistent payments, lifetime benefits na! 🏥💰💪

Bakit maghintay ng swerte kung pwede kang magplano ngayon?

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍
𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

12/02/2026

Exclusive Kaiser 3-in-1 guides & saving tips await! Subscribe today—small step, big future.
Tap 'Subscribe' now! ☺️

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍
𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

11/02/2026

Bakit kaming mga anak, hanggang ngayon sumusuporta pa rin sa parents? Kasi hindi nila pinaghandaan ang retirement.

Yung cycle na yan? Pwede mo i-end sa generation mo. Habang wala ka pang sariling pamilya, mas malaki ang chance mo mag-ipon nang maayos.

Stop scrolling if you're single and working... because this might save your future kids from the same struggle you're in right now.

Kaiser 3-in-1 Savings Plan: 3 benefits sa 1 plan— Healthcare coverage, Life Insurance protection at Investment growth.

Pay for only 7 years, benepisyo hanggang pagtanda even beyond 100 years old.

Para yung mga anak mo sa future, hindi na kailangan magsakripisyo para sayo.

Watch this before you swipe away—your future self (and kids) will thank you. 👀💸

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍
𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

09/02/2026

Hehe caught in the AI trend wave~

Robots as my lil assistants, money falling like confetti and Kaiser Plans building my long-term health + wealth quietly in the background.

Health, investment at peace of mind in one! 😍

Ano pa ba hahanapin niyo?

08/02/2026

𝐏𝐚𝐫𝐚 𝐬𝐚 𝐦𝐠𝐚 𝐠𝐚𝐧𝐢𝐭𝐨𝐧𝐠 𝐠𝐚𝐛𝐢... 😢💙

Pagod pero puno ng pagmamahal sa pamilya. Yung yakap sa anak habang iniisip ang kinabukasan at yung pag-asa kahit pagod na...

Pero bakit kailangan pa nating magdusa nang ganito kung pwede naman magplano nang maaga?

Yung pagod ngayon ay hindi na kailangang maging pagod sa future.

Tip #1-4: Budget, emergency fund, bayad utang, invest.

At sa #4? Simulan ang long-term plan tulad ng Kaiser – ₱196/day lang, pero may peace of mind, health coverage, at savings na lumalaki para sa retirement.

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍
𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

Original content —you're welcome to share this post! Kindly credit me or tag me para marami pang makabasa. Salamat sa suporta at pag-share! 🙏💙

08/02/2026

Yung bawat piso na iniipon mo ngayon? Yan ang susi sa kinabukasan ng pamilya mo.

Huwag magpa-overwhelm sa gastusin. Mag-ipon kahit konti araw-araw – tulad ng ₱196 lang per day sa Kaiser Ultimate Health Builder (K-100 Plan).

7 years lang, tapos makukuha mo na hanggang ₱1,166,168 sa maturity + health coverage, free APE, dental, life protection, at peace of mind.

Para sa mga nanay, tatay, lola, lolo, at OFWs – simulan na natin ang secure future ngayon!

Comment 'YES' kung ready ka mag-ipon para sa kinabukasan or tag mo yung loved one na need ng reminder! 👇

Message me para sa FREE consultation & personalized plan. Walang pressure, promise!

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍
𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

All rights reserved © 2026

Original content —you're welcome to share this post! Kindly credit me or tag me para marami pang makabasa. Salamat sa suporta at pag-share! 🙏💙

07/02/2026

𝐇𝐎𝐘! 😱 𝐎𝐧𝐥𝐲 ₱𝟏𝟗𝟔 𝐩𝐞𝐫 𝐝𝐚𝐲 𝐟𝐨𝐫 𝟕 𝐲𝐞𝐚𝐫𝐬... tapos makukuha mo na ₱1,166,168 sa maturity?

Totoo ba yan? Oo! Sa Kaiser Ultimate Health Builder (K-100 Plan) – long-term health + savings + life protection sa isang plan lang.

Pwede kang magsimula kahit bata pa (age 10-40), fully regulated ng IC, SEC, DOH, 500+ hospitals, 1,000+ doctors, free APE & dental, hospital coverage, at 3-in-1 benefits para sa pamilya mo.

Kahit nasa Pinas ka o abroad (OFW ka man), covered ka at lumalaki pa ang pera mo habang natutulog ka.

Huwag mag-antay ng sakit o emergency bago mag-isip ng protection. Invest in your future NOW!

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

𝑺𝒉𝒂𝒓𝒆𝒅 𝒃𝒚 𝑱𝒐𝒚 𝑹𝒂𝒑𝒊ñ𝒂𝒏 💙 (𝒚𝒐𝒖𝒓 𝒈𝒐-𝒕𝒐 𝒇𝒐𝒓 𝑲𝒂𝒊𝒔𝒆𝒓 𝒑𝒍𝒂𝒏𝒔!)

𝑴𝒂𝒓𝒌𝒆𝒕𝒊𝒏𝒈 𝑫𝒊𝒓𝒆𝒄𝒕𝒐𝒓 @ 𝑰𝑴𝑮
𝑴𝒖𝒏𝒕𝒊𝒏𝒍𝒖𝒑𝒂 𝑪𝒊𝒕𝒚, 𝑨𝒍𝒂𝒃𝒂𝒏𝒈 📍 | 𝑺𝒆𝒓𝒗𝒊𝒏𝒈 𝑶𝑭𝑾𝒔 𝒘𝒐𝒓𝒍𝒅𝒘𝒊𝒅𝒆 & 𝒇𝒂𝒎𝒊𝒍𝒊𝒆𝒔 𝒊𝒏 𝑷𝑯

Original content — please don't copy/repost without crediting or tagging me. Salamat sa pagbabasa at suporta! 🙏💙

07/02/2026

𝙆𝘼𝙄𝙎𝙀𝙍 𝙎𝘾𝘼𝙈 ? 😱😱 𝐋𝐞𝐠𝐢𝐭 𝐛𝐚 𝐭𝐚𝐥𝐚𝐠𝐚 o regulated government agency?

Here's the TRUTH...

𝐊𝐚𝐢𝐬𝐞𝐫 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐇𝐞𝐚𝐥𝐭𝐡𝐠𝐫𝐨𝐮𝐩, 𝐈𝐧𝐜. ay fully regulated sa Philippines bilang isang Health Maintenance Organization (HMO) at health care provider.

Hindi basta-basta company to — may strict government oversight para protektahan ang members tulad mo:

𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐂𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧 (𝐈𝐂): Ito ang pangunahing regulator ng lahat ng HMOs sa Pinas (same agency na nagre-regulate ng insurance companies like PruLife, Sun Life, etc.). Si Kaiser ay may valid HMO license (e.g., HMO-2023-08-R / HMO-2023-16-R renewals), at nakalista bilang #16 sa official IC list of accredited HMOs (as of 2025-2026). Meaning, dapat silang sumunod sa capital requirements (minimum net worth, trust funds for member benefits), regular audits, financial reporting, at consumer protection rules. Kung may violation, pwede silang i-suspend o i-revoke ng license — kaya may accountability talaga.

𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐢𝐞𝐬 𝐚𝐧𝐝 𝐄𝐱𝐜𝐡𝐚𝐧𝐠𝐞 𝐂𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧 (𝐒𝐄𝐂): Registered since June 8, 2004 bilang corporation/health care provider (SEC No. CS20048739), with authorized capital stock na Php 160 million (fully complied with SEC rules). Ito ang nagti-think sa corporate governance, transparency, at financial stability — hindi sila pwede mag-operate kung hindi compliant.

𝐃𝐞𝐩𝐚𝐫𝐭𝐦𝐞𝐧𝐭 𝐨𝐟 𝐇𝐞𝐚𝐥𝐭𝐡 (𝐃𝐎𝐇): Duly accredited bilang HMO (Bureau of Health Facilities and Services). Ito ang nagti-think sa medical standards, hospital accreditations (500+ hospitals nationwide), doctor networks (1,000+ accredited physicians/specialists), at quality of care. Dapat silang sumunod sa health facility rules, patient rights, at preventive care standards (like free APE at dental).

𝐀𝐝𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐚𝐟𝐞𝐠𝐮𝐚𝐫𝐝𝐬: Dahil HMO + investment-linked (3-in-1), may requirements like portion ng payments (at least 51% sa ilang cases) napupunta sa trust fund para sa member benefits — regulated din to para hindi ma-misuse ang funds. Member din sila ng PAHMOC (Philippine Association of HMOs), at may ongoing partnerships/accreditations sa government agencies (e.g., Supreme Court judiciary plan, PDEA, Senate/House of Representatives, etc. for employee plans).

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

Shared by Joy Rapiñan 💙 (your go-to for Kaiser plans!)
Marketing Director @ IMG
Muntinlupa City, Alabang 📍 | Serving OFWs worldwide & families in PH

07/02/2026

Hoy, ikaw ba yung pag tumaas sahod, biglang lumaki rin ang luho? Coffee everyday, grab food lagi, new gadgets? 😏

Yan ang tinatawag na LIFESTYLE INFLATION—sobrang gastos pag may extra income!

Pero pwede palang iwasan: i-save ang sobra, hindi i-spend lahat.

At para hindi ka mag-alala sa biglaang sakit o emergency, Kaiser International Healthgroup ang sagot—fully regulated HMO na may investment-linked benefits!

Message me po for personalized advice! Salamat sa tiwala! 😊🙏

Shared exclusively by Joy Rapiñan 💙 (your go-to for Kaiser plans!)

Marketing Director @ IMG
Muntinlupa City, Alabang 📍 | Serving OFWs worldwide & families in PH

All rights reserved © 2026

Address

King's Court Building 1, Chino Roces Ave, Legazpi Village, Makati, 1200 Metro Manila
Metro Manila

Telephone

+639506102445

Website

https://img.com.ph/quote/UKHB/?agentcode=323418ph, https://www.kaiserhealthgroup.com/

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