IMG Geraldine Domingo Tumanguil

05/05/2026

Maganda ang may HMO or short term healthcare, but what if you retire or resign from your work?

# # **Stop Relying on Short-Term HMO… What Happens When You Retire?**

Habang may trabaho ka, madali—may HMO, may benefits, may access sa healthcare.

**Pero paano kapag wala ka nang work?**
Sino na ang sasagot sa hospital bills mo?

Ito ang realidad na madalas hindi napag-uusapan.

Maraming Pilipino ang:

* Umaasa sa HMO na nawawala pag nag-retire
* Napipilitang gumastos ng malaking halaga sa ospital
* O umaasa na lang sa anak at pamilya

**Pero may mas matalinong paraan.**

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# # **Introducing: Kaiser 3-in-1 Healthcare Builder**

Isang **long-term healthcare plan** na hindi lang pang ngayon…
kundi pang **habambuhay.**

✔️ **Gamit hanggang age 100**
✔️ **Pwede kahit wala ka nang trabaho**
✔️ **Hindi tumataas ang bayad taon-taon**

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# # **Paano Siya Naiiba sa Karaniwang HMO?**

**Typical HMO:**

* Habang may trabaho lang
* Taas ng premium every year
* Nawawala pag nag-retire

**Kaiser 3-in-1:**

* Fixed lang ang paghulog (7 years),
* May healthcare ka na habang buhay
* May insurance at
* May investment na nagaaccumulate ng 3% to 10% fixed interest compounded annually

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# # **3-in-1 Benefits (Kaya Siya Unique)**

# # # 1. **Healthcare (HMO)**

* May coverage ka sa check-ups, hospitalization, emergency
* Hindi ka mangangamba sa biglaang gastos

# # # 2. **Life Insurance**

* Kung may mangyari sa’yo, may maiiwan ka sa pamilya mo
* Hindi sila mabibigatan financially

# # # 3. **Investment Component**

* Lumalago ang hinulog mo
* Pwede mong magamit sa future healthcare needs mo

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# # **Simple Lang ang Strategy:**

👉 Mag-ipon ka lang ng **7 years**
👉 Then enjoy benefits **habang buhay**

**Hindi ka lang nagbabayad…
Naghahanda ka para sa future mo.**

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# # **Para Kanino Ito?**

✔️ Mga breadwinner na ayaw maging pabigat sa pamilya
✔️ Working moms na gustong secured ang future
✔️ Government employees na gusto ng long-term solution
✔️ Mga OFW na gustong siguradong may healthcare pag-uwi

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# # **Real Talk:**

Habang bata, malakas, at may income ka—
ito ang tamang panahon para maghanda.

Dahil kapag nagkasakit ka na…
**hindi ka na pwedeng kumuha ng ganitong plan.**

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# # **Imagine This:**

Pagdating ng retirement mo…

* Hindi ka nag-aalala sa hospital bills
* Hindi ka umaasa sa anak
* May sarili kang healthcare fund
* May peace of mind ka

**Yan ang tunay na goal.**

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# # **Ready Ka Na Bang Magplano?**

Hindi ito para sa lahat…
Para ito sa mga taong **gustong maging handa.**

📩 **Message me “HEALTHCARE”**
para ma-explain ko sa’yo kung paano ito babagay sa situation mo.

Or
🗓️ **Book a FREE Financial Consultation**
para makita mo kung paano mo ito sisimulan step-by-step.
---
**Remember:**
Hindi mo kontrolado ang future…
pero pwede mo itong paghandaan.







💖

25/02/2026

Kaiser International Health Group Inc. is registered as a
HEALTH CARE PROVIDER and NOT an INSURANCE COMPANY.

Kaiser is far more than an HMO. You may not be able to use this right now, but I’m sure in the long run you will appreciate it. We cater 3 Major Financial Needs in the Solid Financial Foundation.

✅INVESTMENT
✅PROTECTION - LIFE INSURANCE
✅LONG-TERM/SHORT-TERM HEALTHCARE.

Message me for free quotation and to guide you💜

26/09/2025

🚨 JUST IN! 🚨

We are thrilled to announce that Kaiser Healthgroup has been officially selected as the Health Maintenance Organization (HMO) provider for the Office of the Vice President Employees Association (OVPEA)! 🇵🇭

🖋️ The Memorandum of Agreement (MOA) was formally signed today, marking the start of a meaningful partnership focused on delivering accessible, high-quality, and compassionate healthcare to the hardworking team at the OVP.

𝗞𝗔𝗜𝗦𝗘𝗥 𝗶𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗛𝗠𝗢 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿 𝗶𝗻 𝘁𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀. 🇵🇭

7K Medical Allowance for Government Employees = 75K per illness per member per year. Cheapest yet comprehensive healthcare benefit.

Pre-existing illness is covered 👍

𝟱 𝗣𝗼𝗶𝗻𝘁 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗣𝗹𝗮𝗻 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀
1. Preventive Care
2. In-patient Care
3. Out-patient Care
4. Emergency Care
5. Dental Care

Bonus : Financial Care Assistance
10K for Natural Death
20K for Accidental Death






If you want to Learn more about KAISER HMO, pls msg me 😊

18/09/2025

What a historic moment to end the IMG GX Champions Summit 2025! ✨🏆

Standing together on one stage—the Master Builders of the financial industry, Coach Xuan Nguyen, and Alicia Nguyen—a powerful reminder that leadership, unity, and vision are what drive this campaign forward.

This is more than just a photo. It’s a symbol of what we can achieve when we rise together, build together, and keep pushing the mission forward.

The journey doesn’t end here—it only grows bigger, stronger, and bolder from today. Together, let’s continue transforming spenders into savers with our financial literacy campaign! 🌟

Disclaimer:
The appropriation of the official posts of the Company outside of the official accounts of the International Marketing Group is strictly prohibited. The sharing and/or otherwise unauthorized dissemination of the official posts of the International Marketing Group are considered violations of the intellectual property rights of the company. The International Marketing Group reserves the right to take legal action against those who violate our intellectual property rights including seeking redress for damages in the proper courts of the Philippines.

18/09/2025

Lamang ang may alam🤩

18/09/2025

Congratulations ma'am 😍

On August 27, 2025, Ms. Josephine Grimaldo received a Maturity Benefit Full Withdrawal from Kaiser International Healthgroup Inc., in Omnis Prosperity Tower, Makati. Her journey has been long and rewarding, and we are proud to say that she has attained the maximum level of maturity in her healthcare journey.

We are honored to recognize her hard work and dedication, and we wish her all the best in her future endeavors.

Congratulations, Ms. Josephine Grimaldo!

Updated policy on sharing:
The following is an official post of Kaiser International Healthgroup. Sharing of this post in its original form, without editing/ revision/redaction is permitted provided it is done to promote the company.

18/09/2025

Thank GOD for my HMO and Lifetime HEALTHCARE🥰💜

Yes, it’s true! 🌟

Ms. Cheryl Cosim’s first choice for healthcare is Kaiser International Healthgroup. 💙
Discover why by scanning the QR code below.

Because when it comes to health—Kaiser is our frontliner! 🩺✨

Updated policy on sharing:
The following is an official post of Kaiser International Healthgroup. Sharing of this post in its original form, without editing/ revision/redaction is permitted provided it is done to promote the company.

18/09/2025

🌍 IMG – International Marketing Group

Your Partner in Creating Wealth for Families

IMG offers a complete financial solution designed to empower you with the right tools, knowledge, and access to trusted partners in:

🔹 Healthcare – Long-term, short-term, senior care & HMO (Kaiser, NHS)
🔹 Life Insurance – Pension, retirement, education & estate preservation (Fidelity Life, Everest, and more)
🔹 Non-Life Insurance – Car, travel, property, and business protection (MAA, Pioneer, Standard Insurance)
🔹 Investments – Mutual funds, retirement plans & wealth management (Rampver, Sun Life, BPI Wealth, ATRAM, etc.)
🔹 Real Estate – Access to top developers (Ayala Land, SMDC, Megaworld, Shang, and more)
🔹 Allied Services – Memorial, pawnshop, remittance, and healthcare services (Everest, Palawan Pawnshop, Kaiser Medical, etc.)

🎯 Why Choose IMG?

✔️ Savings & Discounts
✔️ Privileges & Income Opportunities
✔️ Education & Financial Literacy
✔️ Lifestyle & Travel Perks
✔️ Protection for You & Your Family
✔️ Supportive Community

💡 Our Mission:

Changing People from Spenders to Savers.
Creating Wealth for Families.

🚀 Be part of IMG today and start building a secure, wealthy, and worry-free future!

📩 Contact/PM me now to learn more.
👇👇👇
https://www.facebook.com/share/19qus7wS3d/
https://5807hk.imgcorp.com/linkbio

11/09/2025

HMO NA MAY IPON!
IPON NA MAY HMO!
Baliktarin mo man yan—𝙆𝘼𝙄𝙎𝙀𝙍 pa rin yan.

Nowadays, just saving is not enough.
You need to have protection too.
And being protected is not enough either—
You must have a future too.

✅ May healthcare benefits
✅ May long-term savings for retirement
✅ May long-term investment growth (Living On Interest (LOI))
✅ May peace of mind

💙 Kaiser International HealthGroup, Inc.
The HMO with SAVINGS.
The SAVINGS with HMO.

📌 For those who want and need time freedom, financial security, and health protection—this is the answer.

Let's talk!

31/08/2025

Where have you seen a Bank that teaches how to get out of debt?

Welcome to IMG Family “Malayan Savings Bank”

It's really proud to be an IMG member. Whooosshhhh

𝑱𝒐𝒊𝒏 𝒐𝒖𝒓 𝒄𝒐𝒎𝒎𝒖𝒏𝒊𝒕𝒚

𝗢𝘂𝗿 𝗠𝗶𝘀𝘀𝗶𝗼𝗻: 𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝗳𝗿𝗼𝗺 𝗦𝗽𝗲𝗻𝗱𝗲𝗿𝘀 𝘁𝗼 𝗦𝗔𝗩𝗘𝗥𝗦
𝗢𝘂𝗿 𝗩𝗶𝘀𝗶𝗼𝗻: 𝗧𝗼 𝗘𝗱𝘂𝗰𝗮𝘁𝗲 𝟯𝟬 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗯𝘆 𝘆𝗲𝗮𝗿 𝟮𝟬𝟯𝟬
𝗢𝘂𝗿 𝗖𝗿𝘂𝘀𝗮𝗱𝗲: 𝗡𝗼 𝗳𝗮𝗺𝗶𝗹𝘆 𝗹𝗲𝗳𝘁 𝗯𝗲𝗵𝗶𝗻𝗱

31/08/2025

ALAM MO BA? pwede mong gamitin ang ₱7,000 annual medical allowance (In compliance with E.O 64 with budget circular #2024-6- issued by the DBM, ) para sa HMO-type benefits mo?

Introducing 👉 Kaiser National HealthCare Shield! Ang pinaka-responsive at reliable na HMO plan for government employee.

FIVE-POINT HEALTHCARD BENEFITS

1. PREVENTIVE HEALTH CARE

Package of Annual Physical Examination (APE) at Kaiser Designated Clinics. (For Principals only) Complete Blood Count

Urinalysis (Urine examination)
Fecalysis (Stool examination)
Chest X-Ray
Electrocardiogram (adults age 40 and above, or if prescribed)
Pap Smear (Women age 40 and above, or if prescribed)

2. IN-PATIENT CARE

No deposit upon admission (for surgical cases, please contact KAISER)

Room and Board = According to plan package
Operating room and Recovery room = Maximum Benefit Limit
Administered medicines = Maximum Benefit Limit
X-ray and laboratory examinations = BASED ON KAISER ACCREDITED UNITS
Services of Kaiser Specialists like anaesthesiologists, internists, surgeons, etc. = Maximum Benefit Limit
Services and medications for general/ spinal anaesthesia or other forms of anaesthesia necessary for a surgical procedure Intravenous fluids and transfusion of fresh whole blood = Maximum Benefit Limit
ICU confinements = Maximum Benefit Limit

Maximum Benefit Limit (MBL) - the maximum amount payable per illness per member per year; inclusive of consultations, diagnostic procedures, and hospitalization

3. OUT-PATIENT CARE

In the event that the assured member suffers illness or injury not requiring confinement in a hospital, Kaiser shall provide:

a) Referral to specialists
b) Regular consultations and treatment (except prescribed medicines)
c) Laboratory & X-ray examinations
d) Treatment of minor injuries and surgery not requiring confinement
e) Eye, ear, nose & Throat treatment
f) Once a month pre and post natal consultation.

4. EMERGENCY CARE

During an emergency case, a member who is in a critical condition caused by an illness or injury, the following benefits are:

a) Physician s services
b) Medicines utilized during treatment or for immediate relief
c) Casts, dressings and sutures
d. Oxygen and intravenous fluids
e) X-ray, laboratory and other diagnostic examinations directly related to the emergency management of the patient

5. DENTAL CARE (for Principals only)
The Member shall be entitled to dental services administered by an accredited service provider. The dental benefits shall cover the following services:

a) Consultation and Dental Examinations
b) Dental Nutrition and Dietary Counselling
c) Dental Health Education
d) Restorative and Prosthodontic planning
e) Simple tooth extractions
f) Temporary filling-unlimited (as needed)
g) Annual prophylaxis (mild cases only)
h) Simple tooth Adjustment of Dentures
i) Recementation of loose crowns, in-lays and on-lays
j) Permanent filling up to 2 surfaces only

FINANCIAL CARE ASSISTANCE (for Principals only)

KAISER INTERNATIONAL HEALTHGROUP INC. agrees to give/ provide, in the event of death or injuries through natural causes or accidental means, the heirs and/or assigns of any member who is enrolled in this health care program.

Provided that the death or injury results from:

(a) causes that are covered and are not under the exclusions or uncovered pre-existing conditions as stated in the KAISER Membership Contract

(b) total annual premium for the year contract should have been paid at the time of availment, otherwise, all remaining unpaid premium will be deducted from the amount of assistance.

Natural Death = 10,000
Accidental Death = 20,000
Loss of Both Hands = 10,000
Loss of Both Feet = 10,000
Loss of Both Sight = 10,000
Loss of One Hand and One Foot = 10,000
Loss of One Hand and One Sight = 10,000
Loss of One Foot and One Sight = 10,000
Loss of One Hand or One Foot = 5,000
Loss of Sight of One Eye = 5,000

ADDITIONAL BENEFITS

Should an accredited physician / specialist prescribe or require any of the following and / or procedures, these limits will apply; per procedure per member per year.

Dialysis = Maximum Benefit Limit
Chemotherapy = Maximum Benefit Limit
Radiotherapy = Maximum Benefit Limit
Laparoscopic Surgery (including Hospital bill and professional fee) = 50,000/member/year
Lithotripsy = 50,000/member/year
Angiography (e.g.coronary,cerebral retinal, pulmonary, GI, etc) Myelogram = 5,000
Electromyography, Nerve Conduction Velocity Studies Pulmonary Perfusion Scan = 5,000
Tests involving use of Nuclear Technologies (e.g. Radionuclide Ventriculography/ Thallium stress testing/ Radionuclide/
Thyroid scan, etc.), Nuclear technologies such as Pyrophosphate, Scintigraphy, Positron Emission Tomography, Radio Isotope Scanning, etc.) = 5,000
24-Hour Holter Monitoring, 2-D Echo and Doppler = 5,000
Treadmill Stress Test = 5,000
Bone densitometry scan (Dexascan) = 5,000
Orthopedic Arthroscopy = 5,000
Endoscopy including one of video = 5,000
Adrecortical Function (e.g. Primary Aldosteronism, Cushings Disease) = 5,000
Plasma/Urinary Cortisol, Plasma Aldosterone, etc. = 5,000
Mammography (breast cancer) and Sonomammogram = 5,000
Laboratory/ ancillary services for conditions whose pathogenesis or subsequent clinical improvement not yet fully established in Medical Science = 5,000
Anti-nuclear antibody (ANA), C-Reactive protein (Rheumatic and its complications), Lupus cell exam = 5,000
New modalities and/or diagnostic and treatment procedures for conditions with established etiologies and its use is only as alternative to the conventional methods = 5,000
Radioactive Iodine Therapy = 5,000
Genetic/Immunologic studies = 5,000
Active immunization for dog bites, venom, anti- tetanus = 10,000
Congenital Illness = 10,000
Physical Therapy = Up to 10 sessions