Do you need help in your Financial Goals in your Life?
Here are some 27 TOP STRATEGIC PRODUCT PARTNER of International Marketing Group
MEMBERSHIP BENEFITS
HEALTHCARE
1. KAISER
LONG-TERM HEALTH CARE – Kaiser Long Term Health is a Medical Insurance that aims to give you a financial support for your health when you get old.
2. MANILA BANKER LIFE
Manila Bankers Life offers insurance products that are tailor-fit for the individual. These products provide financial protection, life and accident insurance and reimbursement in case of income loss due to hospitalization – among others. The products are affordable and effective, ensuring that you get and feel the value of what you paid for.
Below is the list of our Individual Insurance products:
- Life Shield
- Money Saver
- MPower
- MB Life Plan
- Personal Accident (PAI)
- Ordinary Life
A. pension,
B. retirement,
C. education,
D. group life insurance,
E. mortgage insurance,
F. Estate preservation
G. FIDELITY LIFE
ONE STOP SHOP
3. INVESTMENT
A. RAMPVER
B. SOLDIVO FUNDS
C. PHILEQUITY
D. SUNLIFE
E. ATRAM
F. MYTRADE
G. REAL ESTATE
H. SEEDBOX PH
4. REAL ESTATE
A. AYALALAND
B. DMCI HOMES
C. SMDC
5. GENERAL INSURANCE –
A. MAPHRE
B. MALAYAN INSURANCE
C. MAAA GENERAL ASSURANCE PHIL, INC.
C. STANDARD INSURANCE
D. QBE
E. CHARTER PING AN
F. UCPB GEN
G. PIONEER
6. ALLIED FINANCIAL SERVICES
A. APS
B. UNIONBANK (LOANS MGT.,HOUSING LOAN, AUTO LOAN, CREDIT CARD)
C. PALAWAN EXPRESS PERA PADALA
D. EVEREST MEMORIAL SERVICES
E. AFP ( ASSOCIATION OF FINANCIAL PLANNER)
International Marketing Group helps you unleash the power within you, instead money controlling you, it is you, that will control the money.
Do you want to be secured financially? Do you want to level up your financial skills and management of your cash flow? Do you want to have financial independence? Do you want to know more IMG?
Everyone of us has a future to build. IMG short for International Marketing Group is a financial industry that helps you with your financial foundation. It has expanded globally throughout the years with its presence in different cities in the different countries. You can reach them anywhere in the world.
Their Vision is to build a new Financial Industry, where everyone is able to earn what the wealthy are earning by bringing the secrets of the wealthy to all.
Their Mission is to help create wealth for families, to make a difference for families so there will be no family left behind.
What they do is to help people move from Dreaming to Doing. They bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial industry.
So, if you need to know how to save? If you want to know more about them, about what services they can give you hit the FOLLOW to our FACEBOOK PAGE ( International Marketing Group Financial Solution – Bataan by Anabeth Lopez | Facebook) and we will answer your inquiries.
How to invest and where to invest? They provide pathway for a surefire of where and when to invest your money so you can have income coming even if you don’t work. If this these things connects with you then let us help you understand by clicking this.
They also offer insurance like life insurance, retirement, education, pension, group life insurance, mortgage insurance and estate preservation. You want to know more about this?
Investment does not mean only money, but it also means investing in knowledge. Because as they say, knowledge is power.
Let us start building our Future, for ourselves for our family.
Be part of the 30M Filipinos Financial Literacy.
You want to know more about real estate such as SMDC, Ayala Land, Megaworld or DMCI and a lot more. If you do just click the link and follow us on FB Page.
If you want to know more about general insurances like fire, motor, accident, business, travel, or other allied financial services. Hit the discover link: So we can answer you directly and help you with your financial difficulties.
Kaiser’s International Health Group, Incorporated is a duly accredited with the Department of Health ( DOH). This Company is likewise, registered with the Securities and Exchange Commission ( SEC). Kaiser’s Board of Directores are seasoned experts in the Medical field services and in the health care industry with its President and Medical Director Dr. Ramon B. Abragan, Jr., a former DOH Head Executivev Assistant, a former Consultant to the DOH Secretary and a former member of Medical Board of Examiner-Philippine Regulation Commission (PRC).
It is an HMO Company caters to both corporate, group, family and individual accounts with our various short term plan packages that would suit your health care requirements.
Kaiser offer the following HMO Plans:
Kaiser Healthcard Individual
Kaiser HEalthcard Family
Kaiser Healthcard Mini-Group (10-49 members)
Kaiser Healthcard Group (50-99 members)
Kaiser Healthcard Corporate (100 members and above)
Senior Care Plan
Daily Health Plan
Kaiser International Health Group Incorporated is also offering a one of a kind HMO Product, the Premium Healthcare Builder Plan (long term plan). ULTIMATE Kaiser Health Builder.
A 5 year, 7, 10 year, 13 year waiting plan.
Designed to provide healthcare beyond that of an HMO
Allows individuals to save during employment while still being covered by Company’s health plan.
Geared to address the long term health care needs of individuals especially after employment and retirement years.
Securing a more comfortable elderly life.
Let me give you an example so to clearly understand this:
We are going to use Ultimate Kaiser Health Builder 7-20, this means you have to pay 7 years and after 20 years that’s the time that you will gain the benefit. So, 7 + 13 = 20 years.
So for example if your age is 25, you will benefit from the product after 20 years which means you are 45 years old. If you still did not use Kaiser after 20 years it will automatically accumulate until you get old by 65 years old.
Actually that is target of Kaiser which is for you to get better and bigger than the 20 year plan. It will become a bonus for you.
Like given in the illustration below you will see you will have a:
Yearly health benefits, accumulated unused yearly health benefits, yearly health bonus, accumulated yearly bonus, and total yearly health benefits so for the example above the total computation would be 1,166, 169.00 after 20 years. As long as you did not use it from year 1 to year 7. So that is the accumulated bonus. So, you just make it stay so that it will accumulate. But, this is just a theoretical calculation, just for an example. It depends upon the profits made by the mutual funds; the sample calculation is 10%. So, the higher the mutual funds is the higher you get and the lower it is the lower you get.
Let us see your benefit annually while saving. This is not deductible to your 20 year Kaiser Health Plan. From 1 to 7 years you have
1. Annual Physical Examination Benefits – you have free laboratories, x-ray, ECG ( ages 35-60 years old), urinalysis, fecalysis, complete blood count, pap smear after 1 year full payment of premium.
2. Dental Benefits – you have unlimited dental check-up, unlimited simple tooth extraction, annual dental prophylaxis (cleaning) after 1 year full payment of premium
3. Basic Medical Health Benefits *Accredited (Physician’s Fee, Specialist’s Fee, Surgeon’s fee, Anesthesiologist’s Fee) * Operating Room * Hospital Intensive Care
4. Member’s Choice of Room and Board up to 1000.00/Day
5. Annual Benefit Limit of Php 60, 000/ year provided that you get the K-100.
The amount of medical assistance limit it depends on your plan you get.
K-45 – K60 with P50,000 Free hospitalization
K-75 – K100 with 60,000 Free hospitalization
Preexisting illness is not covered
6. Term Life Insurance Coverage:
If the member dies before attaining the age of seventy (70 years) and prior to this entitlement to the Long-Term Care Benefit as indicated in the Schedule of Benefit (SOB) his beneficiary shall be entitled to an amount equal to the sum of Long-Term Care Benefit and Long-Term Care Bonus upon approval of the claim by the insurance company.
7. Accidental Death and Dismemberment:
Should the Member suffer, directly and independently of all other causes, any bodily injury effected solely through external, violent accidental mean, occurring prior in the Member’s 20th birthday and prior to the entitlement to the Long-Term Care Benefit which result in any of the specified losses within 180 days after the accident causing the injury, the insurance company will pay the following :
DISMEMBERSMENT
– Loss of Both Hands 100%
– Loss of Both Feet 100%
– Loss of One Hand and Sight of One Eye 100%
– Loss of one Foot and Sight of One Eye 100%
– Loss of One Hand and One Foot 100%
If this happens to you, your policy is fully paid.
8. Waiver of Installment due to Death/Credit life.
If the member during the accumulated period before exceeding the age of sovereignty, the proceeds of the credit life insurance shall be applied to the balance of the contract price upon approval of the claim by the insurance company, if any. The difference, if any, shall be paid to these designated beneficiaries.
9. Waiver of installment and Premium due to Total and Permanent Disability:
If the member becomes totally disabled during the accumulation period and before his 60th birthday thereby preventing him from engaging in any occupation for compensation or profile, is so disabled for life and such disability continues for at leas six (6) months, Kaiser shall waive the payment of each installment becoming due during the life and such disability. However pending approval of the claim, installments should be paid as they fall due, subject to refund upon approval.
Those who have problems:
All claims under the above insurance coverage shall be subject to contestability as provided for by law, but for a reduced period of two (2) years form the date of issue or reinstatement of this contract.
If the Member dies during the accumulation period, the Principal Beneficiary named herein shall be substituted as the new Member, but no longer with insurance benefits and subject to the provisions on Pre-existing illness of Injury.
10. Family Assistance Service
This is optional. Because if you are the only one insured but there are times that sometimes they give permission to member of the family to use its policy, but its not always approve, it depends.
There are PRE-EXISTING MEDICAL CONDITION
But sometimes you will get only for example out of 100, 000 only 10, 000 you will get.
These illnesses/injuries considered to be in existence prior to the effective date of the contract. Any professional advice or treatment was given for such illness or condition
Such illness or condition was in anyway evident to the member before the effective date of the contract.
The pathogenesis of such illness or condition started whether or not the member is aware of it.
The following are covered during extended period ( 8th – 20th year)
– Bronchial asthma
– PTH
– COPD
– Diabetes
– Thyroid disease
– Systematic allergies
– Hermias
– DUB
– Chronic Hemmoroids
– Anal Fistula
– Gastric or Duodenal Ulcers
– Liver Cirrhosis
– Kidney Diseases
– Blood Dyscrasia
– Immunologic and Collagen Disease
– Endometriosis
– Cholecytitis
– Hallux Valgus
– Lithiasis
– Cancer
– Atherosclerosis
– CVD
– CVA
PHILHEALTH
Your philhealth benefit is integrated with Kaiser. Once admitted, you will be advised to file your PHILHEALTH REIMBURSEMENT FORM. The Philhealth reimbursement due shall be deducted from the total hospital bills.
Kaiser members without Philhealth membership, shall shoulder and pay the corresponding portion of Philhealth.
So, pay first in Phil Health before Kaiser pay it.
GRACE PERIOD
If payment is made after the grace period the contract shall be considered LAPSED. However, the owner shall be given a grace period of 60days/2 months to pay the due installment benefits maybe provided to the member only after the due installment is paid.
If you did not pay on the date stated, you can still reinstate. But the present value amount rate of Kaiser are the amount need to pay. Then its lapsed is only about 2 years. After that you will restart again. If you did not pay in two years and exceeded in two years and did not reinstate even if you paid in 6 years that will be forfeited.
CASH VALUE SURRENDER
If for example you don’t want to continue paying Kaiser, you will still get a cash but its too little, the value of cash is little only.
Your policy are all online.
The owner is allowed to transfer his rights under his contract at anytime.
You just need written request, surrender of the agreement, membership application signed by the transferee, payment of processing fee ( P300.00)
UPGRADING OF PLAN AND MODE OF PAYMENT
Plan can be upgraded within 30 days after its effectivity date.
– Filled-out amendment form
– Payment of processing fee P300
– Payment of additional installment corresponding to the updated plan
Mode of payment can be upgraded anytime after completion of its respective cycle
– If within 30 days after purchase
– Filled-out amendment form
– Payment of additional installment due corresponding to the amount of the updated mode of payment
– If beyond 30 days after purchase
– Filled-out amendment form
– Payment of processing fee P300.00
– Computation of dues based on the desired mode of payment
Downgrading of plan and mode of payment is not allowed
ELIGIBILITY
10 – 40 YEARLS old = k45
41-50 years old = k 60
51- 60 years old = k75
When you are still young you can be in k-45
All payment are having a portal, you need to pay directly to pay to the IMG or to the bank. Agents do not accept direct payment.
Ask us: Click on our Facebook account so wes can provide a clear perception about this.
If you want to have a healthcare insurance, you are in the right venue. Discover how it is by clicking in this link:
If you want a shorten version of how IMG will benefit you and your life:
