1. IT COVERS YOU WAY BEYOND RETIREMENT YEARS - Most HMOs & Life insurance products limit their health coverage between 65-80 years old, some cover up to 100 years old. Kaiser Long-Term Care can cover even beyond 100 years old.

2. IT WORKS JUST LIKE YOUR COMPANY HEALTHCARE - Life Insurance is a reimbursement type program, you can never present your Life Insurance policy during admission or when settling your hospitalization bill. You have to pay the hospital first then file necessary documents for reimbursement. With Kaiser Long-Term care it is just like the usual company HMOs. It settles everything (other than personal miscellaneous) after deducting the PhilHealth benefits. It uses its Kaiser rates that was agreed upon by Kaiser International Healthgroup Inc. and the accredited hospital, making you spend less than paying in cash.

3. PEACE OF MIND - Every Filipino fears about getting hospitalized because having less/no cash available on hand. Most of us borrow money somewhere else expecting to pay interests in the future. If you only have Life Insurance, though you can get reimbursement to pay back your lender you will still shell out money out from your pocket. Remember the insurance provider will only reimburse what the hospital billed to you and it does not include the interests you incur from borrowing it. Since Kaiser long-term care is like a company HMO you no longer need to borrow money from somewhere else. It is really a peace of mind.