An agent from IMG invited me to subscribe for K-35 plan in Kaiser International Health Group on April 2012. I trusted that agent since he was my former instructor so I was quickly carried away by his flowering words. He also assured me that Kaiser will soon open an office in Davao which did not happen until now. That man also let me pay arround Php 3000 to be a member of IMG so that I can be an agent too which I also paid in full. I was young then and can easily be persuaded with words. That agent took my money, signed me up and then never actually helped me be part of IMG. In short, he just want to sign me up so that he can get commission.
I was a Kaiser member for 45 months now and I noticed that the company is not credible; the fact that Kaiser is not sending me receipts or any payment confirmation for my monthly fee of Php2081.
I asked them over the phone why there are no receipts and they just said that since I was paying online from my BPI account then receipt is not needed and I can view my online payment history from their portal. I did not accept their reason for not sending receipts since payment history from portal does not count as a valid receipt. The agent on the phone told me that they are sending my actual receipts to their broker IMG which is located in Landco Bldg., Davao. I wonder why they are sending the receipts on that building when I do not live or work there. They should have sent the receipts directly to my address or email since I was the one paying them directly from my bank. I think BIR should also investigate if Kaiser is violating any laws related to giving receipts to customers.
Since Kaiser has no office in Davao, it is too costly for me to contact them on the phone, I need to load Php1000 in order to talk to them because they have no toll free hotline. What's odd is that their main hotline is hard to reached and I can only call their cellphone number which is suspicious according to my lawyer. The agents on the phone is also not helpful since they cannot provide accurate responses to my inquiry, most of the time they will put me on hold to ask their supervisors what to say to me. Since I do not want to waste my cellphone load anymore talking to people who cannot answer my inquiries, I tried emailing Kaiser customer care instead. However, it became worst since it took them days or weeks to respond to my emails.
Due to the bad customer service from Kaiser, I have decided to close my account and just transfer to Prulife or Sunlife or any other popular insurance company that is credible and has integrity. I asked Kaiser how much they will reimburse if I close the account and they confirmed Php71,000, however when I mailed them my withdrawal letter to close my account the agent told me they gave wrong information and that the correct total amount they will reimburse is only Php14,000.
So here I am now trying to close my Kaiser account to get my money back, and they did not fail to stress me out. My total money with Kaiser should be around Php 91,000 however they will only refund me Php14,000 because they said my plan is not mature yet and maturity period is 15 fucking years. Yes you are right, they are a total douchebag using my money for their own benefits. I should have saved my money to the bank instead. I am still in the waiting game with Kaiser since they are slow in responding to emails.
To the people reading this, please get to know the people behind the insurance company before signing up with them because you will never know if that company is run by assholes or scammers. Do not be fooled by the agents' words, instead read the contract and consult with a lawyer before signing up to anything or you will definitely regret it later like I do now.
To conclude this blog, I really regret signing up with Kaiser because they have HORRIBLE Customer Service and they are not transparent with their policy and contract. They are also offering cheap deals if you will review their plans.
You may also check other people's experience with Kaiser here:
https://writingwhenblue.wordpress.com/2014/05/11/the-decision-to-stop-paying-my-kaiser-health-plan/
Hi Gray Raven,
ReplyDeleteThe disconnect happened when you initially joined 45 months ago.
The person who invited you to get a Kaiser plan should have properly briefed you on what to expect. Please contact that person. If you are no longer able to contact that person, please go to the IMG office in Landco Bldg in Davao and ask the IMG folks to assist.
You probably have a Kaiser Premium Builder plan which has a 5-year paying period, and matures 15 years from the start. Since you said you have been paying for 45 months, you only have 15 MONTHS of payments to complete the payment for the 15 YEARS of health and life protection. So if you cancel your plan now, you'd be throwing away 45 months of payments. Your plan matures and reaches its maximum value in about 11 more years, during which you have health and life protection.
Kaiser is paperless and the main avenue for billing and payment issues is via the customer portal OPMS. All your payments should be logged in the OPMS, your payments should be uploaded there, and your entire payment history can be found there.
Note that most companies who accept electronic payments do not issue paper receipts when the payments are done electronically. The acknowledgement (and therefore the receipt) for the payment is in the billing statement, whether paper or electronic.
In the case of Kaiser, the billing is also electronic via OPMS.
Kaiser does issue paper official receipts, but they are sent to the forwarding office, where the account is lodged, for distribution by the account officer who invited you to get the plan. In your case, the receipts are sent to Landco ( according to your article ).
The nice thing about Kaiser billing is that if you can show proof of payment ( and if you paid electronically, the proof is in some emails in our inbox ), they will eventually sort it out, even if the history is multiple years already.
I am from IMG Makati, so I am not very familiar with IMG Davao City. But if you have Kaiser questions, go to IMG Davao in Landco and ask the IMG folks there about Kaiser. They probably have a weekly Kaiser product seminar there, by a Kaiser representative who can explain the fine details of the exact plan that you have.
I hope this info is useful for you.
If you can't find answers, go to https://www.facebook.com/trulyrichmakers.biz/ and send a message.
No promises, but I will be happy to help.
Bobet Prudente
IMG TrulyRichMakers Makati
p.s.
When discussing details, it would be better if discussion is shifted to private mails and chats.
The most important thing to do is to READ THE POLICY PROPOSAL AND COMPARE WITH OTHER SIMILAR COMPANIES offering similar financial instruments. Remember, what is NOT WRITTEN in the proposal is EXCLUSION. Any beautifully crafted answers in discussion threads, personal emails for clarification, chats, such as these, will not stand against what is written in the policy. Basahing mabuti ang nakasulat sa policy proposal, wag basta maniniwala sa BIG words or worst case scenarios, those are meant to entice you to buying a policy - READ THE FINE PRINT and COMPARE.
DeleteInsurance is good and there is always google to help you find out bad experiences and global performance from these companies which you can use as basis for your next move. If insurance companies conduct due diligence through contestability period provisions, you should too - research on company's financial health, how long are they in the industry, did they made the biggest pay-outs and reputation.
Look for REAL Financial Planners (i am not) - they should be able to provide you with an array of financial instruments to choose from and NOT a single policy from a certain company (most likely the person is an agent).
I just hit the reply button. The mumblings are intended for general advice and not as a rebuttal to the original reply to Raven Gray. Mea Culpa!
DeleteHi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
Walang k-35 plan ang IMG k45-plan mayron Kung wala kaung magawa sa buhay manahimik nlang kau
DeleteHello mga sis,member po ako ng kaiser since 2013 at fully paid na po ako. Wala po akong naging problima about dto, k100 ang plan ko at mag mature na po eto sa 2028.ang tanong ko knino kau nagbbyad at kong may rsibo ba kau. Salamat
DeleteStupid guy hindi nya inalam pinasok nya at ano b nman mabigat n complain e sya n nag walkout syempre kahit anong HMO ay ganun mangyayari sa kanya, tanga.
DeleteMapag palang Gabi po or Umaga,
DeleteGabi po Kasi rito sa amin sa France, well hindi ko Po nabasa lahat Ang mga message ng iba pero Ang masasabi ko lang Po sa iba.alamin nyo Po Muna Ang inyong pina pasukan Bago kayo mag fill up basahin nyo Po kung ano Po Ang mga nakasulat na policy! At kung gusto nyo malaman lahat mag attend Po kau ng Leaders call at laging mag attend ng zoom. Para Po don nyo malaman kung ano Ang mga pinasok nyo. din pag kau mag babayad ng monthly nyo sa kaiser needs Po nyo eh encode Po at punta Po kau sa opms or Kiosk2. Para Po kau kaging sigurado sa Inyong binayad wla Po kau matatanggap ng resibo kung Hindi yon pong na encode nyo meron Po reference number yon, yon Po Ang mahalaga Lage Po nyo eh screen shot para meron Po kau proof ba nag bayad Po kau din kung Hindi nyo alam hingi Po kau ng tulong sa Inyong up line or SMD . Kung Hindi maalam si upline ,search nyo Po sa utube malalaman nyo lahat don paano mag bayad. Or just email me handa Po ako tumulong kung sino Po Ang hindi maaalam pa mag bayad sa kaiser by portal po.hindi Po ako magaling ngunit sapag titiyaga at pag aaral ng dahan dahan at pag tatanong at higit sa lahat sapag attend ng leaders call ay d best.
Ito po caompany na ito Hindi Po ito scam , marami nga lang na agent na kolang mag paliwanag sa mga client. Kaya Ang mahalaga dapat pasakop Po tau sa ating mga upline pag sinabi may zoom at mag aaral dapat Po bigyan natin ng time.kagaya ko OFW habang nag trabaho lalo na pag wla amo ,ABA akoy nakikinig ng leaders call
So sa mga kababayan ko na hindi pa talaga na unawaan pasok Po tau sa zoom.para malaman natin na pag tau mag stop s aating pag hulog sa kaiser Hindi na Po natin makokoha lahat Ang Pera hinulog natin.
Tas kung Hindi Kapa mkakabyad dahil wlang Pera mag Sabi ka sa upline mo para yong mga buwan na Hindi mo kaya pang bayaran dahil nawlan k ng work Bali eh atras lang Po ng buwan instead pa taas na ibaba nalang Po Ang count Kasi Hindi nyo pa Po kaya mag hulog.pag umabot Po ng 2years at dpo kau naka hulog ay yon Po totally nawawala na Po iyon ...
Hanggang dito nalang at nawa naka share din ako ng konte Basta Lage nating tandaan wag nating Lage pairalin Ang init ng ulo.God bless everyone at mabuhay po tau lahat.
Kumusta kayong lahat,
DeleteAng pangalan ko ay Mr, Rugare Sim. Nakatira ako sa Holland at masaya akong tao ngayon? at sinabi ko sa sarili ko na ang sinumang nagpapahiram na nagligtas sa akin at sa aking pamilya mula sa aming mahirap na sitwasyon, ire-refer ko ang sinumang tao na naghahanap ng pautang sa kanya, binigyan niya ako ng kaligayahan at ang aking pamilya, ako ay nangangailangan ng pautang ng € 300,000.00 para masimulan ang buhay ko dahil ako ay nag-iisang Ama na may 2 anak nakilala ko itong tapat at natatakot sa Allah na lalaking nagpapautang na tumutulong sa akin sa pautang na €300,000.00, siya ay isang taong may takot sa Allah, kung kailangan mo ng pautang at babayaran mo ang utang mangyaring makipag-ugnayan sa kanya sabihin sa kanya na (Mr, Rugare Sim) i-refer ka sa kanya. Makipag-ugnayan kay Mr, Mohamed Careen sa pamamagitan ng email: (arabloanfirmserves@gmail.com)
FORM NG IMPORMASYON SA PAG-AAPLIKASI NG LOAN
Pangalan......
Gitnang pangalan.....
2) Kasarian:.........
3) Halaga ng Pautang na Kailangan:.........
4) Tagal ng Loan:.........
5) Bansa:.........
6) Address ng Bahay:.........
7) Numero ng Mobile:.........
8) Email address..........
9) Buwanang Kita:.....................
10) Trabaho:..........................
11) Aling site ang ginawa mo dito tungkol sa amin.....................
Salamat at Best Regards.
Mag-email sa arabloanfirmserves@gmail.com
Hi Gray Raven,
ReplyDeleteThe disconnect happened when you initially joined 45 months ago.
The person who invited you to get a Kaiser plan should have properly briefed you on what to expect. Please contact that person. If you are no longer able to contact that person, please go to the IMG office in Landco Bldg in Davao and ask the IMG folks to assist.
You probably have a Kaiser Premium Builder plan which has a 5-year paying period, and matures 15 years from the start. Since you said you have been paying for 45 months, you only have 15 MONTHS of payments to complete the payment for the 15 YEARS of health and life protection. So if you cancel your plan now, you'd be throwing away 45 months of payments. Your plan matures and reaches its maximum value in about 11 more years, during which you have health and life protection.
Kaiser is paperless and the main avenue for billing and payment issues is via the customer portal OPMS. All your payments should be logged in the OPMS, your payments should be uploaded there, and your entire payment history can be found there.
Note that most companies who accept electronic payments do not issue paper receipts when the payments are done electronically. The acknowledgement (and therefore the receipt) for the payment is in the billing statement, whether paper or electronic.
In the case of Kaiser, the billing is also electronic via OPMS.
Kaiser does issue paper official receipts, but they are sent to the forwarding office, where the account is lodged, for distribution by the account officer who invited you to get the plan. In your case, the receipts are sent to Landco ( according to your article ).
The nice thing about Kaiser billing is that if you can show proof of payment ( and if you paid electronically, the proof is in some emails in our inbox ), they will eventually sort it out, even if the history is multiple years already.
I am from IMG Makati, so I am not very familiar with IMG Davao City. But if you have Kaiser questions, go to IMG Davao in Landco and ask the IMG folks there about Kaiser. They probably have a weekly Kaiser product seminar there, by a Kaiser representative who can explain the fine details of the exact plan that you have.
I hope this info is useful for you.
If you can't find answers, go to https://www.facebook.com/trulyrichmakers.biz/ and send a message.
No promises, but I will be happy to help.
Bobet Prudente
IMG TrulyRichMakers Makati
p.s.
When discussing details, it would be better if discussion is shifted to private mails and chats.
Hi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
DeleteHI Ms. KC baka naman pwede mo akong matulungan since you are depending kaiser.
salamat
Mas mabuti kung kau mismo mag remit ng Kaiser plan niyo huwag E paglatiwala
DeleteHay naku kahit anong HMO company ay di nyo makukuha pera nyo ng buo, ano sa akala nyo ganun p rin sa inihulog nyo n makukuha nyo lahat stupid
DeleteCan I ask? Do agents of IMG are licensed to sell this Kaiser or even mutual fund products? For what I know, agents who are selling these kinds of products (Insurance, mutual funds, etc.) should have a license under Insurance Commission.
ReplyDeleteyes, they are. They have a license and they pay 800 Pesos per month at IMG.
DeleteThe IMG members who assist those who get Kaiser plans are independent referral agents for all IMG partner companies, including Kaiser International Health Group and the mutual fund companies.
DeleteWe undergo continuous training year round, and pay P800 per year for accreditation.
John Nazer Ang, agents from IMG are not licensed under Insurance Commission. they were just trained. much better to deal with license.
Deletehi...i am an IMG member, a direct agent for kaiser insurance. I'm one of the happy and satisfied IMG member and kaiser policy holder as well...if it sounds interested to you, please don't hesitate to PM me in this fb account: joud nuez....best regards
DeleteHAHAHAHAHA... please read ALL your different answers above... it PAINTS A BAD PICTURE ON KAISER... IBA-IBA ANG SAGOT NYO... merong license, walang license, training only??!?!?!?!
DeleteI don't think the agent who sold me the plan has license.
ReplyDeleteagents from IMG are not licensed under Insurance Commission. they were just trained. much better to deal with license.
DeleteHai naku Mr. Raven..taga davao ka kamo?..gidaot ra jud nmu ang Kaiser unya gipromote nimu ang PRULIFE..pag sure dha uie...e broadcast na sa media kung isog jud ka..wa ra jud ka kasabot sa systema..Ang ingon ni Bo. sanchez, ayaw apil sa usa ka investment kung wala ka kasabot, ..Sure ko, wa kay attend2 ug training igo raka nibayad...mao na run..di ka committed imu daung kuhaon imu nabayad nga wa pa naabot sa grace period..nya matingala ka gamay ra imu makuha?..giexplain na dong uie..
DeleteExactly 😂
DeleteEven license agent HMO they have own rules that you must obey not your rules.
DeleteKaiser is unprofessional, why? Because the person who handed me the 14K cheque in Davao is not even a member of IMG and Kaiser. She confirmed that she is not a member of those group and she has a friend who has a friend who has a friend who is connected to Kaiser(very funny excuse, right?), asked her to send the cheque to me. She would not even disclose the name of that person. She asked me if we could meet up in SM ecoland so that she can issue me the cheque and let me sign some papers. The situation is very awkward, I was just like doing some meet ups for the dress I bought online. I am so glad that I ended my contract with Kaiser, and I will not live back to that horror again. By the way, the person who handed me the cheque has also insurance for her kids but she is not using Kaiser, instead she is subscribed to Prulife(you get the irony?)
ReplyDeleteIt just meant that they don't walk their talk. Selling insurance products and mutual funds without a license under Insurance Commission is illegal. I am also an ex-member of IMG and have a kaiser plan last year. I only paid my kaiser for 1 month only because I have been hearing things that kaiser is not that good and some people have bad experiences regarding kaiser and IMG. Just to let you know that kaiser product is SO EXPENSIVE compared to other companies.
DeleteHi Gray and John,
DeleteLet me start by saying that a bad experience with one specific person should not reflect on his entire organization. It is like saying one bad Filipino is enough to conclude all Filipinos are bad. Remember that bank manager who was implicated in the $81M scam? I trust you will not conclude that her entire bank organization is involved in the scam.
I'd like to state up front that you can be members of IMG without getting any financial product, and if you got a financial product without understanding it, then there was some miscommunication along the way. That is not the way we do things.
We invite people to be members in IMG to get free lifetime financial education, free lifetime financial coaching, free lifetime product training. But to get these, you have to attend the seminars and training.
You're supposed to simply listen to the IMG member who invited you, to get an idea of what products may be appropriate for you. If they pushed too hard to "sell", they may be going a bit beyond what they are supposed to do. Perhaps some over enthusiasm?
Once you have an idea of what you need, then you are supposed to attend product training. If you want Kaiser, attend a Kaiser product training. We have Kaiser product trainings in Makati at least twice a week. If you want mutual funds, you are supposed to attend mutual fund training. We have several mutual fund trainings every month, not just in Makati, but in several other centers.
IMG members are simply referring agents to license professionals for the financial product. IMG itself is an insurance broker company licenced for a multitude of financial products.
In the case of mutual funds, the trainings are conducted by licensed Certified Investment Solicitors. All investment placements are routed and checked by Certified Investment Solicitors.
In the case of life insurance, the only life insurance available to IMG members is enrollment in the IMG Group Term Life program, which is a simple company group life.
All IMG transactions are aboveboard and compliant with all Philippine laws.
Kaiser Ultimate Health Builder is a long term healthcare product. I think there is no comparable product in the market today, since most HMOs offer only short term healthcare.
Kaiser is an investment which can be used as healthcare (if needed ) and Kaiser members are auto-enrolled in a modest group term life insurance. It is NOT sold as life insurance. The life insurance is simply an added benefit for Kaiser Ultimate members.
If you are already IMG members I'd like to invite you to attend the product trainings, so that instead of listening to probably new members, you learn first hand from product experts. You can also ask to reach further up to the (probably better-informed) mentors of your IMG contacts.
Regards
Bobet
Hi again!
DeleteIf you are unconvinced, I invite you to attend our FREE seminars, and if you are in the QC area, to attend my regular Monday 2pm and 6pm sessions
Register at http://bit.ly/seminarqc
We are about teaching people how to save and invest.
My personal emphasis to our seminar attendees is TIPS
-- Tipid ( kaya mo bang mag-Tipid ng P33 araw araw )
-- Ipon ( kaya mo bang ipuning at itabi itong P1,000 na natipid buwan-buwan? )
-- Palago ( kaya mo bang Palaguin ito sa mga investment vehicles na kumikita ng 12 - 18% compounded annual growth rate? )
-- Saya ( mag-Saya, kasi ito ay magiging P1,000,000 hanggang P2,300,000 makaraan ang 20 taon )
cheers
Bobet
p.s.
maaari ring mag-seminar
-- sa Makati http://bit.ly/seminarmakati
-- sa Calamba http://bit.ly/seminarcalamba
-- sa Dasmarinas Cavite http://bit.ly/seminardasmarinas
Hello po..I just applied for kaiser k-50 today can i cancel it?,because my husband dont like it, i much prefer to follow him.pls let me know how to cancel it so i can't pay monthly.and this is 7 yrs
DeleteHello, maybe the person who sell those products of Kaizer is not also well trained. Literally, before i joined IMG, i was an active and licence agent of Insurance Commission, so i'm a professional agent but I still joined the IMG because IMG has the great partners when it comes to financial education. However, all IMG members are required to undergo training and seminars and this is a continuous process. Kaizer has the great products too compared to other HMO companies offering heath card products. In fact Philhealth is not enough to cever up all your hospital expenses when something bad happened to you and need to be hospitalize. My only recommendations is before signing up you should at least time to make a research, hindi lang sa IMG kundi sa lahat ng inaalok ng tao sa atin! Because LEARNING is the most relevant matter in order for us to be in the right Track and so we you will make any regret in the future. LACK OF EDUCATION AND LEARNING are the most common thing that leads people to have a mis-understanding and also ignite people to immediately response a negative feedback, but afterwards, when somebody learned about the facts then thats the only time that you will say, "oo nga, hindi ko pala naintindihan noon". So before you make a deal with any agent you make sure that you have also attended the training and seminars or at least you have the relevant factors and information of the products you are getting and at the same time the company that you are dealing with or joining with. Matuto pong mag-aral at magsaliksik muna, hindi po masisisi ang ibang tao na hindi rin natuto tapos ikaw din na inalok nya hindi rin natuto, then suddenly problem and questions arises, sisisihin mo yung company tuloy! Many times we are impulsive in both responding and reacting.
DeleteHi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
hello po may i ask po
ReplyDeleteHello po ask ko po sana what if kapag naging memeber ka na po ng IMG..dapat po maging member din po ng kaiser po?
ReplyDeleteHIndi po kailangan mag-Kaiser.
DeleteMaari po kayong mag-attend ng free seminar ng IMG to learn about basic financial concepts.
Marami pong nag-e-enroll sa IMG for the membership benefits:
-- free lifetime financial workshops
-- free lifetime financial checkups
-- discounts for various financial products
-- access to hundreds of financial products
-- asset preservation services
-- access to investment products, with zero sales load or commission
-- access to very inexpensive life insurace
-- opportunity to build a big business in the financial industry
-- opportunity for subsidized travel
Ang Kaiser po ay kasama lamang sa "access to hundreds of financial products"
Maari pong mag-register sa aming mga seminar sa
-- Quezon City: http://bit.ly/seminarqc
-- Makati : http://bit.ly/seminarmakati
-- Calamba: http://bit.ly/seminarcalamba
-- Dasmarinas: http://bit.ly/seminardasmarinas
Hi may I join this conversation. I have the same situation. I received an email from Kaiser Int'l that my account was already lapsed since my credit card did not accept their charges. It takes 3 months before they informed me. The sad thing, I'm trying to call my agent Gladys, she didn't answer my call.
ReplyDeleteI was also invited to attend seminars at IMG Makati; what I observed was, they are only concern to the people they bring or invited in the seminar. But after the contract sign-up, you will go on your own. It only means that people they invited in the seminar is just a number to them; an additional member to add as their downline, just like other multi-level marketing.
This is a warning to everyone, be aware and informed before signing up to any contract...
We have some new members who enthusiastically invite people to get Kaiser plans, and then disappear. We call them "lu-li" for "lulubog, lilitaw." They are not representative of the group.
DeleteWhen you attended the seminar, and enrolled in IMG or enrolled for a financial product, you were supposed to have been introduced to the team of the person who invited you. If the person who invited you can no longer be reached, you can contact any of the other team members. Actually, any IMG member will help you.
I'd be happy to help you get reinstated. You can reinstate a lapsed Kaiser policy for up to two years, with option to pay the previous premiums with interest, or re-date (just continue paying without penalty).
Please go to https://www.facebook.com/trulyrichmakers.biz/ and send me a private message with your contact information.
I can also try to reconnect you with the team who invited you.
If you also enrolled as an IMG member, you can attend the free workshops, and free product training ( our mutual fund training is very popular among new members )
hi...i am an IMG member, a direct agent for kaiser insurance. I'm one of the happy and satisfied IMG member and kaiser policy holder as well...if it sounds interested to you, please don't hesitate to PM me in this fb account: joud nuez....best regards
DeleteHi po miss xylena.. Kaya po sinasabi na ang IMG is DIY... Kasi wala pong ibang responsible ng financial goal natin kundi tayo lamang... The office have a lots free seminar na naeenjoy ng bawat isa... It means hindi pinapabayaan ang member dahil may training parati...
DeleteAnd alam ko Tagalog naman magsali ta yong mga trainor kay at naintindihan natin lahat.
Ikaw ba gusto mo ang hahawak ng goal mo ay Ibang tao... Kaya nga education ang mission ng IMG kasi ikaw tuturuan mismo... Pwede kang mg ask during training para maidirect sagot sa inyo.
Hi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
hi I'm Grace 23 years old. I signed up my kaiser 7 year plan 2 years ago and continuously saving on it even now. I had already enjoyed some of its benefits. I'm about to finish my 7 year plan. In terms about payments, i have no problem because i understand that this is a DO IT YOURSELF... :)
ReplyDeleteHi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
We invite you all to attend our IMG Convention of Champions 2016 at the SMX. We will have numerous local and international speakers, including Bo Sanchez and Rex Mendoza.
ReplyDeletePlease see http://ready.trulyrichmakers.biz/
Hi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
Hello! I also have a kaiser plan. I bought it as a back up plan in case I get unemployed. I bought my plan thru IMG - Davao but the agent who sold me the Health Insurance Plan is under Manila. I have two payments (2 quarters) in which until now, is not yet posted in my online ledger. I contacted Kaiser but they said I should follow up with IMG. I also received a copy of Kaiser's follow-up email to IMG but sad to say until now there's no feedback. I am suppose to pay my last installment this coming December but since two of my installment payments were not yet posted, Kaiser will still bill me until June 2017. I have all the Kaiser Acknowledgement Receipt and Affidavit to support my claim. Can someone from IMG help me with this?
ReplyDeleteHi Unknown. It is hard to help someone unknown. If you have an FB account, go to "Join the Truly Rich Makers" page, and send a PM to ask for help.
DeleteIf you have all the acknowledgement receipts, just email a copy of the unposted payments acknowledgement receipts to support@img-corp.com and tell them that the two payments are unposted. Please state:
-- Kaiser policy number
-- kaiser application number
-- date and time of payment ( time in hh:mm:ss format )
-- amount
-- bank/branch/account where deposited
-- reference number
kc dela cruz. tanong po. After 7 years paying kaiser of k60 tapos example lang po tinigil ko kasi wala na akong pambayad. tanong ko po, magkano po ba pwede ko makuha sa kaiser?YES or NO? diba 7 years akong nag bayad. Kong yes po magkano po makuha ko.please paki sagot po ma'am kc.thanks
Delete@romeo kong tapos ka na 7 years, wait mo na lang maturity mo...
DeleteYes may makukuha after maturity, exact amount di ko sure but may table siya for that...
What do the best legal minds in the Philippines from the House of Representatives, Court of Appeals, and Public Attorneys Office have in common? They have the same HMO provider, Kaiser International Healthgroup!
ReplyDeleteSee partial list of Kaiser Corporate customers http://www.trulyrichmakers.biz/kaiser-international-healthgroup-corporate-customers/
Hi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
Deletesino po pwede tulumulong nataga kaiser about my concern.
salamat
Just compare Kaiser contract with other...So that you can conclude. Don't just talk without reading and comparing.If you people don't trust kaiser just ask yourself why almost all big hospitals tied up with kaiser? Big hospitals will not tied up with kaiser if they did not check how financially capable kaiser was...Period..
ReplyDeleteThis post is "fishy", with a goal of ranking in Google search results, just to bad mouthed Kaiser. This blog was created at a haste, see limited blog posts?
ReplyDeleteGray Raven doesn't even reply to KC dela Cruz's comments, even if the latter is offering solutions to his/her problem so he can recoup his/her money.
If indeed this is true, this is a classic example of "blaming others for my mistake" personality. This is like marrying someone and then if things don't go well, he/she will just find a person to blame.
And if you really are honest of your Kaiser experience, why not post it in your Facebook account so that your friends can also know about your bad experience. And you can tag Kaiser and IMG. Be brave, if you are really sincere.
By the way, Kaiser is the official HMO provider of the House of Representatives of the Philippines. Just tell Congress if Kaiser is a shady company so they can start a committee or something. You can search the contract in Congress' official website.
indeed....
DeleteBefore I took kaiser health builder, I became a member of IMG first. IMG is a brokerage firm and a financial institute at the same time. I do not have any problem with my kaiser policy even without my agent it is because I am financially educated by IMG. I know what I'm doing. Any faults, mistakes or unnecessary occurrence during my paying period is my responsibility.
DeleteThen it is not the system of Kaiser and IMG that has the problem. It is the agent's fault of not assisting you with your concerns.
ReplyDeleteKC dela Cruz is correct. You have to be well informed before you decided to be a member of IMG and Kaiser.
I am also a member of IMG and also a Kaiser policy holder, before I entered I did my own research and most of all checked the background of the person who invited me.
I also did research comparing all the HMOs available in the Philippines. And KAISER's system comes best due to its long term care. If you will compare to other HMO's they are only giving Short Term Care. KAISER's goal is to assist and provide our health care needs during the years we needed it the most, our retirement years. During retirement years, we might already be weak and unemployed. This is where KAISER bridges gap to many Filipino retirees. If you are only concerned about the short term care provided, that reason is only sub par. Their Long Term Care is the best offer and help to all Filipinos who are willing to be prepared during their retirement age.
I'm grateful that I belong to a team that works hard and encourages all to be leaders and educators of financial literacy. As an IMG member you should have a team, and you should be an active team player so you can understand fully and enjoy the benefits of being an IMG member. It is your initiative to commit yourself to learn and take advantage of the system.It is truly satisfying to be able to reach many Filipinos and share about financial literacy. This is what I appreciate about IMG because their advocacy is to help every Filipino family.
I suggest,thorough research would be of great help for you to make your decision. Almost every info we need are at the tip of our fingers nowadays, thanks to internet.
I suggest, visit the nearest IMG office and ask for help and raise your concern regarding this issue and RE-LEARN the IMG system and KAISER advantages. Dig in further about IMG and you will appreciate the wide opportunities and benefits you can earn from it.
I am an OFW, registered nurse, currently working in Saudi Arabia, an international member of IMG
Hello. I am paying 2647 monthly sa IMG. 7 years to pay dw po. Pano po yun? Pano lalago ung pera ko?
DeleteIn 7years hndi pa lalago pera mo dyan lalago yan after 8yrs mo
DeleteExcuse me. If agents are members of IMG and they are a brokerage firm, they are then an extension of Kaiser and therefore part of the system. Please, if the free trainings still produce bad apples, there should be some way of excluding these.
DeleteHello, I just applied in kaiser k-50 today can i cancel it?thank u
ReplyDeleteContinue po maam so far I don't have any problem for Kaiser
DeleteHi,
ReplyDeleteI have K-50 and has completed my accumulation period, I started last Sept 2007 with Php 2,286 monthly installment. Basically, I am now on my 10th year, the one with Long-Term Care Benefit.
Can't really understand the schedule of benefits Kaiser sent me, together with the VISA card (which I don't know the use, as well).
There's just a table that shows "Schedule of Extended Benefits", "Schedule of Cash Value" and "Schedule of Additional Cash Value.
Just want to know if I could deactivate my account and withdraw my money by October, which is a month after my 10th year? And how much money would I be getting?
Thank you very much.
I am sorry to bother you with this, but I just cant contact anymore my IMG agent, and when I tried to ask these questions to Kaiser Customer Care, they didn't answer.
Hi BananaBee,
ReplyDeleteIf you can not contact your IMG agent, write to support@img-corp.com. You will get a ticket number as reference for future communication. If after a few emails, you are unable to sort it out, please send me a PM at FB: Join the TrulyRichMakers
IMG encourages DIY (do it yourself) personal finance, so go through official support channels first and if you have problems, you have an entire community to help :-)
Regards
I see the question is not answered as usual this really is a scam
ReplyDeleteGood day! I just wanted to ask kung yung total payment ko po na binayad for 7 years ay ang amount na expected to yield 5-8% per year?
ReplyDeleteThanks in advance!
This is the blog site of Gray Raven, who prefers to be anonymous while publicly criticizing an organization with 250,000 members.
ReplyDeleteMs. Gray Raven might have forgotten this site already, as her last port/comment is dated March 3, 2016 more than a year and a half ago.
Please visit the pubic Facebook Group Kaiser/IMG Talk for more information on Kaiser or IMG. Join the group to ask any question. You can also send a PM to the group admin.
If you are an existing IMG member or Kaiser plan holder, please write to support@img-corp.com
Visit Kaiser/IMG Talk at https://www.facebook.com/groups/KaiserIMGTalk/
ReplyDeleteLearn more about IMG TrulyRichMakers at
https://www.facebook.com/trulyrichmakers.biz/
Learn more about saving and investing in our free financial seminars in Makati, Las Pinas, Quezon City, Sta. Rosa Laguna, Calamba Laguna, Dasmarinas Cavite, and other locations:
http://bit.ly/seminarmakati
Kaiser offers HMO products or investment (VUL) products?
ReplyDeleteand are they following IC (insurance.gov.ph) guidelines??
My uncle got their Kaiser Premium Health Builder last year and he is convincing me to get one as well... I'm a bit suspicious of it tho.. :/
tell me if u sign, i hve an on going communication with the agent, she invited me to sign up,,, hmmmp,,gudluck to us..
Deletehmo with investment... long term siya
Deletehello, may I interupt with your convo,,, it is better for you guys to attend the seminar on kaiser short term (every wednesday) and kaiser long term (every saturday) for you to address all your quries,, but if not possibel,, u cna also do via webinar.. a live web portal while you are staying at your home,, its just as if you are in the meeting as well..
ReplyDeletei can bu your kaiser plan,, just tell me when.. contact me,, 09264648858,, or email me at jarleyjohnvillaruz@gmail.com
ReplyDeleteI was going around looking for insurance groups I can sign up with and stumbled upon this blog. For starters, WOW.. this is seems to be just one of those "I bought something that I'm not sure if it works for me or works at all then blame someone else in the end". Clearly you have to understand that IMG and Kaiser is not one and the same and are also not representing each other in any way (as per my analysis of the conversations). IMG is like a store selling different things to people and Kaiser is just one of their items on the shelf. And now YOU are like buying shampoo from that store without even checking if its safe for your hair. Then all of a sudden you get dandruff and now blame the shampoo, blame the store, and blame the company who made it. That is just plain stupid don't you think? And now the current matter is about "LIFE" Insurance, why would you go and buy something concerning your "LIFE" without checking everything thoroughly? It might be a miscommunication with the agent, (take note that person is just an agent trying to earn by selling something he/she doesnt even fully understand) or maybe something in the contract that doesnt really fit in with your lifestyle or whatever. But the point is, you should never or could ever put trust on something you do not fully understand! And I'm talking to you Ms. Gray Raven if you are still visiting this blog, and everyone else who thinks like her. Now I want to appreciate KC dela Cruz for trying to explain and saving others from this misconception that the said product is something you could buy and it will miraculously automatically unrealistically work on its own without you putting any effort in it. Again, this is about LIFE, YOUR LIFE and you should keep working on it. This person I think is part of IMG (the store owner in my example) and they are EXPLAINING to every customer and trying to make them UNDERSTAND the ups and downs of their products even to the point of making sure that it works for them. Now as store owners or sellers for this matter, they are doing THEIR PART. Now it should be your responsibility and of course naturally be your prerogative to DO YOUR PART as well. OK, I've said a lot and I hope it makes sense to those who read this to the end and the last thing I want to say is, its YOUR LIFE, YOUR CHOICE, so TAKE RESPONSIBILITY, and MAKE THAT EFFORT.
ReplyDeleteP.S. If you are interested in Kaiser or whatever IMG is offering, I suggest you go to their product training or whatever seminars, get their schedules and locations even webinars as I saw someone comment something about it and LEARN FROM IT. That is the only way you can say that you are very sure of what "YOUR CHOICES" will be. Either you want to sign up, continue, or cancel the contract, IT IS ON YOU.
Thanks for reading up to here ~ just wanted to get a piece of my mind out there. ~ cya!
I requested for cash value of my policy i thought only that portion of the benefits will be terminated, however it was not the case, so I asked if i can get the bonus amounted to P81,741, they said, it is for illustration purposes only. I paid for more than 326K plus 14K re-instated cost and i will get only P88,400. that's not fair. I did not ask for 100% but 27% is too low and it is considered unfair trade practices. Imagine out of 326K, Kaiser will get 237K and I take home only 88K, no benefits only losses. I think i need a lawyer, this is clearly unfair trade practices that must be corrected.
ReplyDeleteKaiser is HMO or Health Maintenance Organization. When ever you will invest for your Health/medical coverage in a HMO company, it is always renewable every year. Example: if you will not hospitalize this year, you will not use your money this year; then you need to renew another annual fee to make sure you are covered the following or present year....then in that case, you cannot expect return of your money coz they are simply HMO company. Unless you invest it fully in mutual funds or long term investment in stock market which you can expect to have returns/interest/income for your retirement fund or etc...
DeleteGo for traditional HMO w/o investment links. Its simplier.
DeleteKaiser has limited hospital accreditations
I was an employee for over 20 years, while i was an employee our company provided us Medicard. I was hospitalized in Villaflor Memorial Hospital in Dagupan, a Philhealth accredited hospital, I was been treated of Endoscopy and colonoscopy and we spent more than 30k, my wife ask the hospital admin and the people who are in-charge of processing medicard, sad happened Medicard did not covered my hospitalization, i even complained it to my company why was that happened.
Deletenoe i am really thinking to get my parents keiser. now the person who invited me i truly understand they are not that capable. i would like to understand it more. my dilemma it is very hard to get keiser im lost about where to start the website gives a ticket only. haayyy what more in terms of claiming the benefits na. .plan konto get it tonhelp my parents ease sa check up routine. anyway i accept suggestions
DeleteSo thankful I'm a member and partner of IMG Inc hongkong... Thanks to all mentors until now I'm still active and trusted IMG also Kaiser because they open my mind in an opportunities that my children inherit too..thank so much more power IMG Inc.... God bless us all..
ReplyDeleteSo thankful I'm a member and partner of IMG Inc hongkong... Thanks to all mentors until now I'm still active and trusted IMG also Kaiser because they open my mind in an opportunities that my children inherit too..thank so much more power IMG Inc.... God bless us all..
ReplyDeleteHELLO,
ReplyDeleteGod bless you sir, I will not stop telling the world about your kindness in my life, Am Mrs Cynthia corvin . A lady with a great testimony I live in USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave happiness to me and my family, i was in need of a loan of $360,000.00 to start my life all over as i am a mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of $360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs cynthia corvin, that refer you to him. contact Mr.Zak,via email:- feroozsuptoo@outlook.com
15 Fucking Years =(
ReplyDeleteI always love IMG and I believe IMG...please go like my facebook page of my IMG https://www.facebook.com/wellstrategicurdaneta/
ReplyDeleteI learned something from my previous mentors particularly Bo Sanchez, LEARNING IS EARNING! Please follow me on facebook https://www.facebook.com/wellstrategicurdaneta/
ReplyDeleteHi, I am planning to get some investment in Phillippines and I stumble with this site who offer all in package which is very promising. I am a filo but wondering if i will add investment from Phils. knowing the risk that majority of the insurances company have no good credibility and always ended up agony to most of the plan holders. Also, I hope we have the strict compliance law on these kind of services as the people who put their hard earned money always the losers side. Sellers or agent must be licensed and so we avoid common problems along the way. I hope the company dont just employ people without complete understanding about the policy to avoid complaints and dramas in the process. I am after with the investment side not the health benefits as I dont stay there, but I cant afford to make mistake and find another one. I am getting old and I want to look forward to my retirement in 20 or 25 years time that has no problem on the claiming process. Anyway, goodluck and I am not too sure of going ahead. Will just keep on eye on the progress and see if i will get motivated to join and invest there. If you guys serious of helping our countrymen, lets help each other without greedyness. Dont chase the money as it will comes naturally when your heart is pure and you are doing the right thing. God bless everyone!
ReplyDeleteHello po, nakapag attend po ako ng seminar dito sa milan italy, last week lan september 1, 2018. Maganda ang layunin ng IMG and kaiser, gusto ko mag member and kumuha ng plan but the problem is how? Syempre gusto ko ring mag siguro sa perang bibitawan kc pinaghirapan natin yan.sana maituro nyo sa akin kung paano at sino ang dapat kung lapitan para maka join ako. Ty
ReplyDeleteHi po mam! Pwde paki pm nlng po sa fb account ko po mam para matulungan ka namin..maraming salamat po..
DeletePm to Josie Musaeus
This comment has been removed by the author.
ReplyDeleteMeron na bang members na nag benefit from kaiser after maturity of plan?
ReplyDeleteI also want to know someone who got the maturity of kaiser plan. Is there any IMG and KAISER agent who can proof someone who benefited this healthcare plan??
ReplyDeleteMeron na po. Kaiser center exist and you can avail their services. Let me know how can I help
Deletedont blame others about it.. read and study. be on your own, wag mo iasa sa iba buhay mo.
ReplyDeletebig question how to get keiser insurance fpr my parents gusto ko lang may hmo sila
ReplyDeleteKindly email me your name and send yout active email or contact me at personally so I can guide you to get start .thank u.
Deleteplease visit my Facebook page the old one is hacked..so this my new Facebook page name R-quel IC Corpuz...every problems has a solutions all we need is to understand first..
ReplyDeleteKaiser Ultimate Builder is being offered to OFW. How can they get the benefits of the health care if they aren't in the Philippines ? Like here in UK, we have free healthcare services that we used and we don't go home quite often. So it is worth it to offer this to OFWs?
ReplyDeleteScammer
DeleteOne thing more, to be a MD we need to have 5 people who will be a member at the same time avail the kaiser in one month. It seems impossible to do that. I joined in January and haven't sold anything. It says IMG teaches us to save but I've spent a lot meeting people to present the products and treating them for meals or drinks at the same time. Seminars are being booked but members contribute to the cost of the venue. How can that be saving while I shell out more money just to try and encourage people to avail the kaiser and ask them to be a member?
ReplyDeleteBakit po kc kayo nagpapakain at nanglilibre SA mga kinakausap nyo..hindi naman po yan tinuturo ng IMG..ang tinuturo po natin eh kung pano ang tamang pag iipon at pag invest.. Pano nga po kayo pagkakatiwalan eh sa umpisa palang Mali na ang system na ginagawa nyo.. Kaya talagang masisira kayo sa mga kina kausap nyo db? damay pati INTEGRITY ng company natin at kaming mga totoong nag mimision sa IMG. Wag nyo po kasing gawin ang isang bagay kung kulang naman pala kayo sa kaalaman.aralin po muna nating mabuti at paturo po tayong sa mga totoong mentor ng ating company na IMG.
DeleteSino ba ang ngsabi na etreat mo sila ng meals? Wala namang quota ah, yung thinking mo is pera lng kasi..hindi na xa mision.
DeleteIMG is an agent broker of kaiser
DeleteMost of there clients are ofw,5500 registration of IMG plus 1500yearly for renewal,most comments here are agents of IMG,I understand all of us want to earn but let's be transparent to our client bec.its our responsibility
kalokohan yan!!! ngayon 4500 na membership nila scam din yang mga lokong yang
ReplyDeleteup natin to para ma aware sila sa kalokohan nga IMG international na to
ReplyDeleteScam kasi di mo inaral ang IMG..
DeleteYang gnyang pag.iisip ang gusto pangmadalian na pera, gusto mayaman agad..kung ayaw mo sumali sa IMG sa banko ka mag save..
Recently ( April 2019 ) my wife was hype to join IMG and very busy attending seminars in makati and just received her white t shirt and pin ( she joined without consulting me...sad to note really😂 ) but my question to her is why should their be a membership of 4500 to join IMG? If their advocacy is to have 1M family to be financially educated in 2020, imagine if all these families or individual decided to become a member and pay 4500 each .....ITS FREAKING 4.5BILLION pesos!!!! PERA PERA LANG NA NAMAN ULI, recruit ka na naman ng sasali at bibili ng insurance, para aakyat ka sa hierarchy from associates to a higher position....While the intention of promoting awareness to become financially literate, saving and investing money in the right company is good but the way of promoting it is just a sugar coating and a distant cousins of networking style!!! IMG profited from the membership of the new recruits and commission from the companies they are promoting should they be able to enrol the new members to get insurance and mutual funds or any products for that matter.SINO KAWAWA? Ang bagong member like sa comment ng isa sa taas pag naka sign up kana, pera na ng IMG plus bumili ka pa ng imsurance additional commision ng mentor mo...DI BA TAMA?
ReplyDeleteTo become a member ano mapapala mo? Ah free seminar lifetime pa, free training lifetime uli etc...eh ganoon din sa networking lifetime insurance kuno at kong ano ano pang freebies!!! Kong gawin mo namang career wala ka din naman pinag iba sa nga insurance agent na nag aalok ng insurance at healthcare...Tanong kong IMG member ka stable na career ba ito, baka malaki pa gastos mo sa palibreng kain at gasolina ng sasakyan mo papunta makati kaysa kikitain mo🧐🧐🧐 again tulad ng comment ng isa sa taas jan...Mrs ko gastos gasolina papuntang makati, pakain sa mga invites nya, di naman cguradong mag members...Ang sabi ng mga mentors nya sa IMG mga millenials ang target na ma educate eh wala naman pera yan pang membership sa IMG, so gastos ka lang pakain sa kanila....If someone can convince me that this can be a profitable career I will shift from being a contractor into a IMG agent!!!
Gusto mo matoto mag tipid, read books on how to save money meron dami jan sa National bookstore...Gusto mag invest inquire in the bank directly, gusto mo kumuha ng life insurance at health insurance go directly sa mga accredited agents and license insurance personnel na may track record....Why join a group and pay 4500 and all you get is also a half educated financial mentor. My wife can’t even explain to me how IMG works so how can she be a mentor to others, it will be a disaster if she tries to do it herself....
I think so. Bagong member ako ng IMG pero nagdadalawang isip n ako bumili ng product nila.
DeleteBagong member ako ng img, , im from davao, im also a K50 plan holder ng kaiser.pag negatibo ang utak, ganyan talaga ang iisipin..ano pala gusto mo?ikaw lang yung yayaman yung IMG hindi, kung commited ka, may disiplina ka ang IMG at ikaw sabay kayong yayaman..kung ngdalawang isip ka, , wag kang sumali..
Delete
ReplyDeleteTry to attend our financial literacy program,before you judge our company...
Financial Education is a solution not an opinion...
We need to recruit 5 members and to sell 5 kaiser to become MD in a month which is unrealistic. As I said , we are spending more than gaining in joining IMG. I'm actually regretting it.
DeleteIs there IMG here in Belgium?Let me know please.
ReplyDeleteHi have an account dati parang 3months ko sya nabayaran tapos NG lapse na lng din,. Wala ako na kuha sa mga naihulog ko halos 6k din yun,, hirap kitain pera at wala din mag bibigay sayo panghulog.. sinu Kaya naki na bang sa pera ko pinaghirapan. Wala naibalik na pera sa akin.. napaghatian na ba nila yun.. Anu katarungan yun.. pasagot PO sa tanung ko PO,, sinu kumuha NG pera ko PO.. pwede bang I claim yun. Salamat sa sagot PO.
ReplyDeleteHi have an account dati parang 3months ko sya nabayaran tapos NG lapse na lng din,. Wala ako na kuha sa mga naihulog ko halos 6k din yun,, hirap kitain pera at wala din mag bibigay sayo panghulog.. sinu Kaya naki na bang sa pera ko pinaghirapan. Wala naibalik na pera sa akin.. napaghatian na ba nila yun.. Anu katarungan yun.. pasagot PO sa tanung ko PO,, sinu kumuha NG pera ko PO.. pwede bang I claim yun. Salamat sa sagot PO.
ReplyDeletepwede po bng kaiser lang ang iavail,at hnd yung membership?
ReplyDeleteyes pwd
DeleteI have a Kaiser K-250 plan which was fully paid in 2017. I took this while working abroad.
ReplyDeleteAm now back home and residing in a city where they do not have any Kaiser accredited doctors. They have one accredited hospital but the doctors in the hospital are not accredited. I contacted their helpline and they provided me a name who to contact with regards to Kaiser issues but the person is no longer connected with the hospital. This means that their customer support do not have an updated system. Their FB messenger is no help as it will link you to their website where a ticket is generated but no replies are made. The best way is call directly their numbers and wait for sometime for your call to be picked up.
So I am asking myself now what is the point of having a medical insurance when I do not get any benefit from it in the city where I am residing? I also inquired about the annual physical check up of which is part of the medical benefits. However, once you avail this, your investment is affected since the used of your yearly health benefit fund would mean it will no longer earn interest and the Total Yearly Health Benefit will be diminished or lost at the end of the 15th year. During my meeting with the agent, he never disclosed this in regards to the annual physical check up. He only said if I am hospitalized and used my insurance then my Total Yearly Health Benefit will be forfeited.
I am reading the frustrations of those having this type of insurance and I can empathize because I am in the same boat as them.
To those planning to get this insurance, please read the small prints very well, check the terms and conditions and get an agent who is well versed with the product. Asked the agent for a copy of the contract provisions so you can study it before committing, signing and paying. Note that the insurance coverage is minimal and the investment does not really give a good return. The one benefitting here the most are Kaiser and IMG. Imagine your money being locked in for 15 years plus other conditions stipulated which might affect your investment should you avail of certain medical benefits, and Kaiser and IMG using your money by putting them in mutual funds or other investments for them to earn while the insured have limited medical benefits. I felt cheated because I didn't study it thoroughly. My bad.
I have my regrets and will wait for the 10th year to surrender my policy and get said cash value. This is what is stipulated in the policy contract...The member may surrender this contract for its cash value stated in the schedule of benefits less any outstanding indebtedness plus 80% of the Extended Benefit Balance. After entitlement to the Long-term Care Benefit, the surrender benefit shall be equal to 85% of the extended Benefit Balance.
From my personal experience, I would not encourage my family and friends to invest in Kaiser.
thanks for this sir. OFW din ako and may nagaalok sakin ng Kaiser.
DeleteHi! Yung long term benefit ba at age 65 withdrawable in cash or in form of refunds for health related expenses?
ReplyDeleteHi, I signed up to K50 in 2015 and I am on my 5th year already, 2 more years to go to finish my 7 years paying period. IMG is also giving continuous training to its members. This is one of the things that I like about the company, as they do not only sell but they also educate people about the value of money, saving and investment. I remember my boss/mentor told me that you need to find a company that will also teach and train you aside from just making the sales pitch, and that is what IMG is doing. It was just due to my busy schedule that I am not able to attend training, but they do have regular sessions that members can attend. My agent is always reachable and regularly checks on me. When I access my own Kaiser account in their web portal it shows my updated history payments. It is one of the best long-term healthcare product in the market which includes health and investment benefits for the plan holder. But again like any other investment, you need to research about the product before buying it. Some of you may have other questions but it is better to set an appointment with their agent, there is no pressure to buy ,just talk to one of their agents and ask questions so you can decide properly.
ReplyDeleteThis comment has been removed by the author.
ReplyDeleteThis comment has been removed by the author.
ReplyDeleteHi, I am also facing a problem with Kaiser International Health Group. I've been a loyal customer of Kaiser for more than 2 years or 27 months I took K-100 policy I am paying Php 5,882 monthly. Now my total contribution to them is Php. 158,814.00 For some reason I decided to cancel my policy with them this year and ask for a cash value of my policy. I got very dissapointed with their computation. I was told that the cash value of my policy is just Php.11,229 only. wow! wala po akong nagamit na kahit anong services nila at never ko pang nagamit kahit isang check-up lang. Ngayon ang ibabalik nila sa akin is 7% lang ng pera ko. NAgtanong ako sa kanila through email but until now puro automated response lang ang nattanggap ko. Some of the MD’s from IMG advised me na tapusin ko nalang daw ang 7 years & wait its maturity period which is 20 years – I don’t know what I should do with this policy, Itutuloy ko pa ba ito at dagdagan pa ang perang ayaw na nilang ibalik sa akin or stop ko nalang at bahala na si Lord sa kanila?
ReplyDeleteHindi nyo po naintindihan ang plan kung ganoon po..bago ka sana sumali inaaral mo muna..
DeleteIts your fault. Tinuturo po dito kung kung magkano nalang ang cash value kapag hindi mo tinapos ang plan mo. Hindi po bangko si kaiser at hindi rin po mutual funds na kung gusto nyo kunin ang pera ay makukuha mo full. Learn first before you invest ng hindi kayo manisi ng company at ibang tao.
DeleteIm planning to be a member and get a policy from this group. However, with everything ive read... I opt not to..
ReplyDeleteKaiser is legit and international. Kaiser po ang anak ko, asawa niya at buong pamilya nang asawa nya sa America. Kaiser po halus lahat nang mga empleyado sa airport sa San francisco. Sa America nya po yun nakuha.
ReplyDeleteHi, question lang po since you mention na sa America nyo nakuha ang kaiser, is it Kaiser International Health Group or is it Kaiser Permanente? Thanks po.
DeleteHello. Good morning. Merun po ako kaiser k 35 plan. Nag start ako hulog ng feb 2005 then maturity ko ay dec 24, 2020. That time 1601 per month ang hulog ko. Ask ko lang how much ang makukuha kong cash pagdating ng maturity date ko. Fyi po , hindi hindi ko po sya ginamit s kahit anung ospital either consultation, confinement ot yearly physical examination. Thank po
ReplyDeleteHello Maricel, just wanna know if may na claim ka and how much? mahirap bang magclaim?
DeleteIn addition may certificate po ako ng full payment at scheduled of benefits
ReplyDeleteThanks po
Hello po, i am being invited to be a member of IMG with Kaiser , however I have acquired citizenship of other country and doesnt have dual citizenship , is there be no problem in the future if i join and get the insurance at the moment i dont have yet the dual citizenship. Same thing is i am married to a Filipino but having other citizenship i am not using his surname , if i get him a plan and God forbid something happens to him , there will no problems at all when claiming the benefits?
ReplyDeleteSorry filipino by blood but have acquired citizenship also and not yet a dual citizen
DeleteIt's better to invest your money in other things. You might be stressed out in getting claims. Like me dealing with customer service is stressful.
DeleteAfter the long thread and a lot of reading, the main problem I saw is having a good company but serviced by incompetent and misinformed agents.
ReplyDeletePlus overly fearful clients that want to eagerly invest kahit kulang pa ang info.
Kaya eto at umabot ng 4 years ang thread. Impressive really.
Customer service. Even a shitty product can be good kung okay ang feedback from the agents. Kahit anong tago ni agent kung pera lang ang habol nya sa kliyente maamoy pa din eto kaya nawawala na ang "trust" in between.
Information. Yan kadalasan ang kulang sa kliyente. Either nahihiya magtanong or tinatamad magbasa, gusto spoon feeding lagi. Kaya kapag nagkaproblema sisi agad sa ahente.
Any room for improvement?
Depends on both parties.
Advice ko na lang, wag maging tanga at wag maging gahaman.
Mahirap kitain ang pera, lalo na kapag may mga nakasandal sayo at umaasa.
🤘
I am going to cancel my plan as well. Very bad customer service. Like you my money paid to them is almost 90K. But they are very slow to act. I have two policies with kaiser. One was lapsed many years ago and the mode of payment was monthly. The other one mode of payment is annually. Two different policies. My last payment was posted to my lapsed policy!!!! Wth and when I asked them why they posted my payment to old and lapsed policy plan with monthly mode of payment instead of correcting their mistake they asked me to write a letter of explanation!!! Wtf! They made a mistake and it's me who's gonna explain!I was so pissed but I still made a letter because that's their requirement. After that it took almost a year before my payment was transferred to my kplan which cause my policy to lapse again! So now, whether I get small cash value it's better that to be stressed again!!!
ReplyDeleteGreetings from Kaiser!
ReplyDeleteThank you for getting in touch with us. Your payment is under processing at the moment.
"The pending payment you posted on your Online Policy Management System (OPMS) is still being validated by Kaiser. Because Kaiser’s internal system is different from your OPMS. This is for security reasons."
Yan respond ng customer care nila, imagine my second payment dated 20August until now 16November2020 ay hindi pa verified nakaka apat na akong bayad pero sa OPMS record nila ay 3 pa lang kasi pending verification pa daw? Grabe sistema nila napaka hi-tech...sobrang bagal magverify..Magbabayad na uli ako for November due date pero OPMS ko kung titingnan ng technical advisor kulang ako ng isang buwan...kasi nga 20August2020 hindi pa verified..BTW thru IMG payment ginawa ko nyan, kapag direct Kaiser thru BPI online mabilis mag update...baka ginagamit pa muna ng IMG ang binayad bago pa iremit sa kaiser....
huhuh i just signed kaiser healthcare application online then i sent payment for one month with my agent , but lately i just realized if that 's all that i needed?i did not read or signed any contract or policy whatever . is there any contract in kaiser ? because they just ask me to apply, what else i should needed sothat my application is legit?thanks for replu
ReplyDeleteI'm a Kaiser planholder at ang masasabiko lang.... Kaiser should improve their customer service. Nagyong pandemic hindi gumagana ang mga help lines nila. Ang daming numbers pero hindi naman ma contact. Kalaking company wala namang toll free number. Mag llong distance kapa! Yung emails nila palpak. hihingan ka ng info tatlong beses, tapos in the end i-aadvise ka lang na mag rerespond lang sila pag gumawa ka ng ticket (balik ka nman provide info). Mali mali ang posting ng payments ko. Very frustrating
ReplyDeleteHi, im about to withdraw my account in kaiser, pero hindi active ang account ko, now like gray. yong 70kplus ko na naihulog, 6k nalang ang makukuha ko since 2 years palang ako nagbibigay. gusto ko nalang kunin ang pera since pandemic para sa expenses, they told me na hindi raw active ang account at to make it active i have to pay 35k (annual fee ko sa kaiser) para lang ma-open ang account., sa side ko, why would i pay the annual fee eh wala na nga akong panghulog, the plan is to get the cash value na 6kplus, kailangan ko padin mag bigay ng pera. I talked to Brandon Gloria (and he did not help me) wala solution, ang sabi nya, yon ang policy. as a member na gusto ng umalis, its either i will wait for my account to be terminated or i continue ko ang pagbayad,?
ReplyDeletesino po pwede tulumulong nataga kaiser about my concern.
salamat
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ReplyDeleteaaa.sad to read this about. You know i am planning to avail kaiser plan45 for my husband right now. sounds so great about life, health plus investment na but reading all of this just now, i opted not to. 😭
ReplyDeletedadalawang isip tuloy akoooo
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