✦ Kaiser International Healthgroup

₱88 a day.
Lifetime coverage.
Money back guaranteed.

The Kaiser K-45 Health Builder Plan is the only plan that covers your health, builds your savings, and pays back 85% of what you paid — all for less than your daily coffee run.

Get My Free Consultation See How It Works
500+ Accredited Hospitals
1,000+ Doctors
Pay 7 Years Only
Lifetime Coverage
Your daily investment: ₱88 / day
That's less than a Grab ride.
Monthly: ₱2,647  ·  Annual: ₱26,470  ·  Spotcash: ₱166,140
The Problem

Most 25-year-olds wait.
Most regret it.

Every year you delay costs more money and more risk. Here's what waiting actually looks like.

Company HMO disappears when you resign
Freelance, switch careers, or start a business and your employer's HMO is gone. Kaiser K-45 stays with you no matter where life takes you.
Your rate rises every birthday
At 41, the same coverage jumps to ₱3,529/month. That's ₱882 more every single month, just because you waited. Lock in K-45 now while you qualify.
One ICU stay can wipe your savings
Average hospital confinement in the Philippines costs ₱50,000–₱300,000+. One emergency with no coverage undoes years of saving in a single night.
Regular insurance pays nothing back
Traditional insurance takes your money every year with nothing to show if you don't get sick. Kaiser K-45 returns ~85% of your total payments at Year 20 upon maturity.
K-45 Plan · Ages 10–40
Kaiser K-45
Health Builder Plan · 7-Year Payment
Monthly payment
₱2,647
for 7 years only · then covered for life
Annual
₱26,470
Semi-Annual
₱14,294
Quarterly
₱7,676
Spotcash
₱166,140
What You Get

Everything in one plan. Nothing left out.

  • Full HMO coverage from Day 1
    500+ accredited hospitals, 1,000+ doctors, ICU, operating room, outpatient, dental & annual physical exam.
  • 4-way insurance coverage
    Term life, accidental death & dismemberment, waiver on death, waiver on permanent disability — all included.
  • Return of Payment at Year 20
    ~85% of all membership fees returned to you as cash or health benefits upon maturity, if no claims were made during the first 7 years of paying. Your money doesn't disappear.
  • Zero exclusions from Year 8
    Pre-existing conditions? By Year 8, everything is covered. No fine print, no exceptions.
  • Portable, yours forever
    Change jobs, go freelance, migrate abroad. Your plan and funds travel with you. No employer required.
  • Health Savings Account earns interest
    Annual benefits accumulate with interest from Year 8–20 and continue earning beyond Year 20. Benefits usable at any age.
K-45 Benefits · Based on Age 22

Exactly what your plan covers.
Down to the peso.

All figures below are based on enrollment at age 22 with the K-45 plan. For a personalized quote at your age, book a free consultation.

Projected Cash Value
at Maturity (Year 20)
₱524,776
If no claims in first 7 paying years
Projected Cash Value
at Age 60
₱2,917,710
Health savings compounding over time
Projected Cash Value
at Age 65
₱4,699,001
Your retirement health fund, fully grown
K-45 Plan Coverage
Insurance & Hospitalization Benefits
Plan 20-Year Life Insurance 20-Year Accidental Death Coverage Hospitalization Coverage Room & Board
K-45 ₱202,500 ₱405,000 ₱50,000/year
For 7 years		 ₱600/day
Available after full payment of 1 year premium
Healthcare Benefits
1
FREE Annual Physical Exam
Chest X-ray, CBC, Stool & Urine Exam, ECG for ages 35 and up
2
FREE Dental Benefits
Unlimited dental check-ups, once-a-year dental cleaning, unlimited simple tooth extraction
3
Waiver of Installment Due to Death
4
Waiver of Installment Due to Disability
5
Basic Medical Benefits
Doctor's fee, Surgeon's fee, Anesthesiologist fee, Operating and ICU room covered depending on plan chosen
6
Member's Choice of Room & Board
Room rate depending on the plan chosen. K-45: ₱600/day
7
Maximum Benefit Limit
Hospitalization admission coverage: ₱50,000/year for 7 years
8
20-Year Term Life Insurance Coverage — ₱202,500
9
Accidental Death & Dismemberment Coverage for 20 Years — ₱405,000
10
Lifetime Network Access
Over 500 private hospitals and over 1,000 doctors and specialists. No deposit or down payment upon admission. Access valid as long as you have funds.
Not age 22?
Get your personalized K-45 quote.
Benefits and projected cash values vary by enrollment age. Book a free consultation and we'll walk you through your exact numbers — no pressure, no obligation.
Book a Free Consultation →
500+
Accredited Hospitals
1,000+
Doctors & Specialists
85%
Return of Payment
7
Years to Pay Only
How It Works

Pay for 7 years.
Covered for life.

Here's exactly what happens from the day you enroll.

1
Day 1
Full coverage starts immediately
HMO, dental, outpatient, APE, life insurance and accident coverage. All active from your first day.
7
End of Year 7
You stop paying. Coverage continues.
After 7 years of payments, your plan is fully paid. Coverage remains active for life with no more dues required.
8
Year 8 Onward
Zero exclusions. Annual benefits with interest.
All pre-existing conditions now covered. Your Health Savings Account begins accumulating yearly benefits with interest.
20
Year 20 · Maturity
Return of Payment + Full LTCBV unlocked
If no claims were made during the first 7 years of paying, ~85% of your total membership fees are returned as cash or health benefits. Your Long-Term Care Benefit Value also matures and your HSA keeps earning interest beyond Year 20.
Your numbers (K-45 · Age 25)
Monthly payment
₱2,647
For 7 years only · that's ₱88/day
Total paid (7 years monthly)
₱222,348
Or save with spotcash at ₱166,140
Return of Payment at Year 20 (≈85%)
≈₱188,996
Returned at Year 20 upon maturity, if no claims in the first 7 paying years
Policy fee (total)
₱3,500
₱500/year · for 7 years only · then stops
Why Act Now

Your age determines your rate. Forever.

Lock in the lowest tier while you still qualify. Every year you wait costs hundreds more, every single month.

Age Group Plan Monthly Quarterly Annual Spotcash vs K-45 Monthly
10–40 years old You're here now K-45 ₱2,647 ₱7,676 ₱26,470 ₱166,140 Baseline
10–40 years old K-50 ₱2,941 ₱8,529 ₱29,411 ₱184,600 +₱294/mo
41–50 years old +₱882/mo more K-60 ₱3,529 ₱10,235 ₱35,293 ₱221,520 +₱882/mo
51–60 years old K-75 ₱4,412 ₱12,794 ₱44,116 ₱276,900 +₱1,765/mo
51–60 years old K-100 ₱5,882 ₱17,058 ₱58,821 ₱369,200 +₱3,235/mo

Policy fee: ₱500/year for 7 years only. All amounts in Philippine Peso.

Common Questions

We've heard it all. Here are honest answers.

? "I'm healthy. I don't need this yet."
The best time to enroll is when you're healthy, because that's when you qualify for the lowest rate. At 25, you lock in ₱2,647/month forever. At 41, it's ₱3,529/month for the exact same plan.
? "I already have company HMO."
Company HMO ends the day you resign, get retrenched, or go freelance. Kaiser K-45 is yours permanently. It never expires, and your fund never disappears.
? "₱2,647 a month is too much."
That's ₱88/day, less than most Grab rides. And unlike any expense, at Year 7 you get ~85% of it back. It's not spending. It's a savings plan that protects you while you save.
? "What if I can't keep paying?"
If you die or become permanently disabled during the payment period, remaining installments are waived by insurance. Reinstatement is also possible within 2 years of a lapsed policy.
? "What happens after 7 years?"
You stop paying entirely. Coverage continues. Annual health benefits accumulate with interest from Year 8. At Year 20, your Long-Term Care Benefit Value can be converted to cash or used as a lifetime health fund.
? "Is Kaiser a legitimate company?"
Kaiser International Healthgroup, Inc. is an actuarially-sound, licensed HMO in the Philippines with 500+ accredited hospitals and a 15+ year track record. Insurance underwriting is done by a duly authorized insurance company.
FAQ

Questions you should be asking.

Straight answers to the big life questions this plan is designed to solve.

1
What if I die too soon? Who will take care of my family?
The solution is Life Insurance — instant money. Life insurance protection can help you replace your income, finance your children's education, pay estate tax, settle debts, and ensure your family is taken care of even without you.
2
What if I get sick? Who will take care of me?
The solution is Healthcare. When you retire or stop working, you need someone to take care of you. How comfortable your healthcare situation is after the age of 60 depends entirely on the decision you make today. The Kaiser K-45 plan guarantees lifetime healthcare so you are never left without coverage.
3
What if I live too long? Who will take care of me?
The solution is Investment — letting money work for you. The Kaiser plan builds a Health Savings Account that generates continuous income for your retirement. With projected cash values reaching ₱2,917,710 at age 60 and ₱4,699,001 at age 65, your money keeps growing long after you stop paying.
4
Is it transferrable or can it be assigned?
The Kaiser Ultimate Health Builder Plan cannot be sold, assigned, or transferred to any third party, nor can payment of the membership fee be assumed by a third party.
5
Is my Kaiser Health Plan transferable after my passing?
Yes. Your Kaiser Health Plan is transferable once the policy holder is deceased. If the proposed member is underage and has already reached 18 years old, the proposed member and payor must submit their duly accomplished deed of assignment and membership application form with valid ID to transfer the policy.
Member Stories

Real people. Real results.

★★★★★
"I love the return feature. If I don't use the health benefits in the first 7 years, I still get it back. My money is working for me. I'm protected, but I'm also building something long-term."
JU
Junny
Based in Japan
★★★★★
"What convinced me was that it combines healthcare, savings, insurance, and long-term care in one program. One disciplined system that works even if I stop working abroad. That's exactly what I needed."
RZ
Ramz
Based in Vietnam
★★★★★
"Fully paid. Fully matured. Fully worth it! My plan gave me peace of mind for years, and now it's rewarding me with benefits for healthcare, dreams, and retirement. My second plan is fully paid too. Best decision ever!"
AV
Arvin
Philippines
★★★★★
"I used to save randomly. Now I save with purpose. The Kaiser plan gave me a clear timeline: pay 7 years, build lifetime healthcare, grow my health savings. Retirement planning finally feels simple."
AX
Axelle
Based in USA
★★★★★
"I started because I wanted something structured, not just savings in a bank. Knowing I'll have lifetime healthcare after 60 gives me real peace of mind. I'm not just saving money… I'm securing my future."
AD
Ada
Based in Netherlands
★★★★★
"My birthday gift to myself. I fully paid my Kaiser plan. It feels amazing to know I did this for my future. Salamat, Ms. Zata!"
GU
Guen
Philippines
Ready to start?

Lock in your rate before
your next birthday.

Get a free, no-pressure consultation. We'll show you your exact numbers, payment options, and benefit breakdown in 10 minutes.

Book My Free 30-Min Consultation →

No obligation · No hard selling · 100% confidential