Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.

• An innovative program, the first of it's kind in the country;
  
• Guarantees long-term care even after the age of sixty when the client has only himself to rely on;
• Healthcare coverage, savings, emergency fund, and insurance rolled into one;
• An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first seven (7) years of coverage;
• A portable account! Even if you change or lose jobs, your plan and funds stay with you;
• A four-way insurance coverage: 

1. Term Life
2. Accidental death and dismemberment
3. Waiver of installment due to death
4. Waiver of installment due to permanent and total disability;

• Outpatient benefits, annual physical examinations and dental coverage;
• Coverage is for individuals but can be installed in companies as a health savings salary deduction program;
• No exclusions from 8th year onward;
• Flexible, Upgradeable within 30 days ;
• Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a "Health Savings Account"
• "Health Savings Account" earn interest beyond 20 years.
• Benefits can be used up to any age.
• Payable in 7 years only with fixed rates for the entire paying period;
• Issue age up to 60, but coverability extends after 60; and,
• Reinstatement can be done within 2 years after lapsed policy.