INSURANCE BENEFITS                          

If, at the time of signing the Membership Application, the Member is in good health, is at least eighteen (18) but not more than seventy-five (75) years old and performing the normal activities of daily life, he shall be insured by Kaiser under a Group Master Insurance Contract underwritten by a reputable and duly authorized insurance company, as described below:

Term Life Insurance

If the Member dies before attaining the age of seventy-five (75) years and prior to entitlement to the Long-Term Care Benefit Value as indicated in the Schedule of Benefits, his beneficiary shall be entitled to an amount equal to the sum of the Long-Term Care Benefit Value (LTCBV) and the Long-Term Health Care Experience incentive Hospital Benefit Limit (LTHCEIHBL) upon 

approval of the claim by the insurance company.

Accidental Death & Dismemberment Insurance

Should the Member suffer, directly and independently of all other causes, any bodily injury effected solely through external, violent and accidental means, occurring prior to the Member's 75th birthday and prior to entitlement to the Long-Term Care Benefit Value (LTCBV), which result in any of the specified losses below within 180 days after the accident causing the injury, the insurance company will pay a percentage of the sum of the Long-Term Care Benefit Value (LTCBV) and the Long-Term Health Care Experience Incentive Hospital Benefit Limit (LTHCEIHBL) in accordance with the following schedule:

DESCRIPTION PERCENTAGE OF LONG-TERM CARE BENEFIT

1. Loss of Life 100%

2. Loss of both hands 100%

3. Loss of both Feet 100%

4. Loss of sight of both eyes 100%

5. Loss of one hand & one foot 100%

6. Loss of one hand and sight of one eye 100%

7. Loss of one foot and sight of one eye 100%

8. Loss of one hand or one foot 50%

9. Loss of sight of one eye 50%

Loss shall mean the dismemberment of hands and feet by severance at or above the wrist bone or ankle joints respectively. Loss of eyesight must be total and irrecoverable.

Any partial benefit already paid for any loss(es) shall not be carried over in the subsequent contract Year i.e., the amount of benefits to be paid in the succeeding contract year shall not be reduced by any amount paid in the preceding contract year.

The loss of the first joint of the thumb or any other finger or of any toe shall be considered as equal to the loss of one half of the thumb or finger or toe. The loss of more than one phalanx of the thumb or of any other finger or if any toe shall be treated as loss of the entire thumb or finger or toe. Where there is loss of two or more parts of the hand, the percentage payable shall not be more than the loss of one whole hand.

The aggregate of all percentages payable with respect to any one accident shall not exceed 100%.

Waiver of Installment Due To Death

If the Member dies during the Accumulation Period and before attaining the age of seventy-five (75), the proceeds of the credit life insurance shall be applied to the balance of total membership fees upon approval of the claim by the insurance company making the contract fully paid

Waiver of Installment Due To Total And Permanent Disability

If the Member becomes totally disabled during the Accumulation Period and before 75th birthday thereby preventing from engaging in any occupation for compensation or profit, is so disabled for life, and such disability continues for at least six (6) months, KIH shall waive the payment of each membership fee becoming due during the period of disability. However, pending approval of the claim, membership fees should be paid as they fall due, subject to refund upon approval.

All claims under the above Insurance Coverage shall be subject to two (2) years contestability period as provided for by law from the date of issue or reinstatement of this Contract.

If the Member dies during the Accumulation Period, the Principal Beneficiary named herein shall be substituted as the new Member, but no longer with insurance benefits and subject to the provisions on Pre-existing illness or Injury (Art. II).

FEATURES AND HEALTH CARE BENEFITS

Basic Medical Benefits

*Accredited Hospital's Room & Board Services of Accredited Physician/Specialist/Surgeon/Anesthesiologist

*Hospital's Intensive Care Unit

*Operating Room Fee

Accredited Hospitals

Over 500 Accredited Hospitals, Hospital's Intensive Care Unit & Operating Room

Accredited Doctors and Specialist

Over 1,000 accredited Physicians/Specialists/Surgeons/Anesthesiologists

Annual Physical Examination

Chest X-ray, Stool & Urine Analysis Complete Blood Count

Electrocardiogram (for 35 yrs old & above)

Dental Benefits

Unlimited dental check-ups, once a year free dental prophylaxis, unlimited simple tooth extraction

Special and Extended Benefits

Special and Extended Benefits

Magnetic Resonance Imagin (MRI)

Nuclear/Radioactive Isotope Scan

CT Scan, Dialysis, Blood Transfusion

Physical/ Speech Theraphy

Long-Term Care Benefits (LTCBV)

Guaranteed health benefits as shown in the Schedule of Benefits which can be used at the end of 20th year as part of the Hospital Benefit Limit (HBL) until fully utilized or can be converted into cash on the 20th year.Guaranteed health benefits as shown in the Schedule of Benefits which can be used at the end of 20th year as part of the Hospital Benefit Limit (HBL) until fully utilized or can be converted into cash on the 20th year.

Anti-Rabies, Venom & Tenanus Vaccine

Emergency Benefits (Ambulance)