Erlwin S. Abanggan — Financial Advisor Cebu

What this is

PhilHealth covers a fraction. Kaiser fills the rest.

PhilHealth is a discount, not a plan. Kaiser is supplemental coverage. IMG members access Kaiser plans at preferred pricing — often lower than the same plan quoted directly.

Who this is for

Four situations where Kaiser applies.

Working adults without company HMO.

Freelancers, small business owners, and employees at companies that do not provide HMO coverage.

Parents covering children and aging parents.

One plan can cover dependents. The long-term care tier is designed for parents in their 60s and older.

OFWs covering family in the Philippines.

You work abroad. They stay home. Kaiser covers the family while you are away.

Seniors 60+ needing long-term care.

The long-term care tier is specifically designed for members past retirement age. Different structure, different coverage window.

Coverage

Two tiers. Different windows, different purposes.

Coverage details are illustrative. Actual terms are in the Kaiser contract. Tracker #17 confirms current rates.
Plan	Short-term HMO	Long-term Care
Annual limit	To be confirmed	To be confirmed
Age eligibility	To be confirmed	To be confirmed
Coverage period	Annual, renewable	Multi-year contract
Pre-existing conditions	To be confirmed	To be confirmed

Exclusions

What this does not cover.

Not covered.

Cosmetic procedures.
Non-prescribed medication.
Dependents not enrolled in the plan.
Pre-existing conditions not declared at application.

Covered.

Hospitalization and emergency care within the plan's schedule.
Consultations and diagnostic services listed in the plan.
Enrolled dependents within the same coverage window.
Discounted services at Kaiser Medical Center.

Price

Member rates. Payment in quarters, halves, or full year.

Kaiser HMO — Member rate

₱—

Paid quarterly, semiannually, or annually. Annual payment carries a discount.

Rates are lower than the same plan quoted directly.
Annual payment carries the largest discount.
Coverage starts after the waiting period (see FAQ).
Option to add dependents at application.

Request a Kaiser quote

Questions

What people ask before enrolling.

Is Kaiser the same as PhilHealth?

No. PhilHealth is government baseline. Kaiser is supplemental — it covers what PhilHealth does not.

Can I use both?

Yes — they stack. PhilHealth covers part, Kaiser covers the rest.

What if I already have company HMO?

Kaiser can cover what your company HMO does not — or cover family members not on your company plan.

How long is the waiting period?

Waiting period depends on the plan tier. Confirmed at application.

Next step

Request a Kaiser quote at member rates.

Member rates are only available through IMG. No obligation to proceed.