03/08/2026
Kaiser K-100 Long-Term Healthcare Plan Benefits
The K-100 Plan is one of Kaiser International's long-term healthcare plans designed to combine healthcare, life insurance, and long-term health savings. It is commonly promoted as a 7-year payment plan with benefits that can extend well into retirement.
Key Benefits
âś… 1. Pay for Only 7 Years
Fixed premium for 7 years.
No further payments after completing the payment period.
âś… 2. Long-Term Healthcare Coverage
Hospitalization benefits.
Room and board.
Surgical benefits.
ICU and operating room coverage.
Emergency medical benefits.
âś… 3. Outpatient Benefits
Annual Physical Examination (APE)
Dental benefits
Laboratory tests
Access to accredited doctors and hospitals.
âś… 4. Life Insurance Protection
Includes:
Term Life Insurance
Accidental Death & Dismemberment
Waiver of Installment due to Death
Waiver of Installment due to Permanent Total Disability.
âś… 5. Long-Term Healthcare Fund
Your long-term healthcare benefits accumulate over time.
Starting after the accumulation period, the health fund can continue to earn based on the plan provisions.
Benefits may be used for future healthcare expenses or, subject to the contract terms, converted to cash at maturity.
âś… 6. Coverage Beyond Age 60
Unlike many traditional HMOs that end around retirement age, the K-100 is designed to provide healthcare benefits beyond age 60, when medical expenses often increase.
Why Get a Long-Term Healthcare Plan?
❤️ Medical costs continue to rise.
Hospitalization and major illnesses can cost hundreds of thousands of pesos. Having a dedicated healthcare plan helps prepare for these expenses.
❤️ Your company HMO may not last forever.
If you resign, retire, or lose your job, employer-provided HMO coverage often ends. A personal long-term healthcare plan stays with you according to its terms.
❤️ Health risks increase with age.
Most people need more medical care in their 60s and beyond. Planning while you're younger can help ensure coverage later in life.
❤️ Protect your savings.
Instead of paying medical bills out of pocket, your healthcare benefits can help preserve your retirement savings and investments.
❤️ Peace of mind.
Knowing you have healthcare protection, life insurance, and a long-term healthcare fund can reduce financial uncertainty for you and your family.