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There are two types of Healthcare or HMO: SHORT-TERM (ST) and LONG-TERM (LT). We can have both if we can. But if we have limited budget, which one should we go for? Answer: LONG TERM Healthcare. Why? Read the reasons below: ST: Renewal not guaranteed if high claims LT: Renewal is guaranteed ST: Yearly increase of premium until age 60 LT: Fixed premium for 7 years to save only ST: Hospitalization benefit only, no insurance LT: Hospitalization plus insurance coverage for natural death, accidental death and disability. The plan will also become fullypaid (waiver of premium) ST: No accumulation of unused funds, no return of premium (disposable) LT: All unused funds grow with interest and 85% of the contract price will be returned at maturity ST: Age limitation, normally covers up to age 60 only LT: Covers beyond age 60 with long term yields Other Long-Term HMO features: - Transferable to beneficiary in case of death of the planholder - Reinstatement within 2 years of lapsed policy - Covers all pre-existing conditions and dreaded illnesses after fullpayment - Online account portal accessible anytime anywhere - Online application and payment methods Kaiser Long-term Healthcare is a complete savings plan that answers the 3 possibilities of life. 1. In case we get sick, we have hospitalization funds. 2. In case we die too soon, we have insurance funds to be left behind to our loved ones. 3. And in case we live too long, we have a retirement fund, we will not become a burden to our family. Be prepared! Get yours now. Message me for a Free Zoom Appointment or see me in person💁‍♀️