Ma Genesen T. Mamhot

Ma Genesen T. Mamhot "Be your own money manager. Be financially literate.Financial Education is not just for the wealthy."

08/08/2026

Bakit Mahalaga ang HMO Pagtanda
Mas mataas na risk: Habang tumatanda, mas tumataas ang posibilidad ng chronic diseases gaya ng diabetes, hypertension, at heart disease.

Dagdag proteksyon: PhilHealth ay limitado lang sa case rates; HMO ang sumasalo sa outpatient care, regular check-ups, at mas malaking bahagi ng hospital bills.

Cashless system: Hindi mo na kailangang maglabas ng malaking pera agad dahil diretso nang binabayaran ng HMO ang ospital at doktor.

Preventive care: May libreng annual physical exam, dental check-up, at telemedicine na nakakatulong para maagapan ang sakit.

Peace of mind: Hindi mo na kailangang mag-alala kung saan kukuha ng pera sa oras ng emergency.

Kung wala kang HMO pagtanda, malaking posibilidad na ikaw o pamilya mo ang sasalo ng mabigat na gastusin sa ospital. Ang HMO ay dagdag proteksyon, mas maayos na preventive care, at peace of mind na hindi kayang ibigay ng PhilHealth mag-isa.

It's not a guarantee of perfect health when we do this medical check-up routine - but it's crucial for 3 things (see com...
07/08/2026

It's not a guarantee of perfect health when we do this medical check-up routine - but it's crucial for 3 things (see comment section).

Nakakalito minsan mga tao....hindi alam ang gusto kung Health Care ba o Sick Care ba?😁

In the Philippines, many of us tend to follow the "sick-care" model.

We only visit a doctor or clinic when we are already feeling down, experiencing pain, or dealing with an obvious health issue.😒

However, getting an Annual Physical Exam (APE) is one of the most powerful, proactive moves you can make for your long-term health, physical well-being, and financial peace of mind.πŸ‘

What do you currently have - a Health Care plan? Or Sick Care plan?

You and your family deserve financial Peace of Mind.

FYI:
2 types of healthcare plan - short term plan and long term plan (3in1 with money back savings).

Inquire today for details. β™₯️

07/08/2026

When it comes to providing you with the best healthcare, Kaiser International Healthgroup Inc. makes sure to give you just the perfect amount of Kaiser Care!

Congratulations on the successful maturity of Ms. Abigail Faith Hago Kaiser's Long-Term Care Plan!

Enjoy this magnificent healthcare benefit you very well deserve!

Thank you for entrusting your future with us!

Whether for your healthcare or for financial security, Kaiser International Healthgroup Inc. has this covered for you!

Disclaimer:
The appropriation of the official posts of the company outside of the official accounts of Kaiser International Healthgroup Inc. is strictly prohibited. The sharing and/or otherwise unauthorized dissemination of the official posts of Kaiser International Healthgroup Inc. are considered violations of the intellectual property rights of the company.

The Kaiser International Healthgroup Inc. 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.



Investing feels hard because it asks you to give up comfort today for a future you can’t see yet.Skipping the impulse bu...
16/05/2026

Investing feels hard because it asks you to give up comfort today for a future you can’t see yet.

Skipping the impulse buys.

Saying no when it’s easier to say yes.

Choosing discipline over instant gratification.

But what’s harder?

Reaching 65 and realizing your options are limited… that your lifestyle depends on a system that was never meant to fully support you.

Your future isn’t built overnight β€” it’s built decision by decision.

Start small.
Stay consistent.
Trust the process.

Because one day, your future self will either thank you… or wish you started sooner.

- Coach Jessamae Asucan

The 3 What-ifs of life that can affect our financial life and the financial future of our families.What if we die too so...
15/05/2026

The 3 What-ifs of life that can affect our financial life and the financial future of our families.

What if we die too soon?
What if we live too long?
What if we can get sick anytime especially during old age?

Financial Preparation is key to build financial peace of mind.

Just like getting a better state of physical health, we need supplements of vitamins and minerals with practice of right habits and routine exercise.

In achieving a better Financial Health, we need to learn how to supplement what we have in terms of additional knowledge and understanding as well as learning how to strengthen our solid financial foundation thru add-on financial products best suited for our financial needs based on the 3 What-ifs of life.

This product is the best supplement to your current financial health.

Learn more about this program.


πŸ’•KAISER ULTIMATE HEALTHCARE BUILDERS PLANπŸ’•β€οΈπ‘―π’π’˜ 𝑫𝒐𝒆𝒔 π‘²π’‚π’Šπ’”π’†π’“ π‘³π’π’π’ˆ-π‘»π’†π’“π’Ž 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 π‘Ύπ’π’“π’Œ?πŸ‘‰It’s a 3-in-1 product that solves...
15/05/2026

πŸ’•KAISER ULTIMATE HEALTHCARE BUILDERS PLANπŸ’•

β€οΈπ‘―π’π’˜ 𝑫𝒐𝒆𝒔 π‘²π’‚π’Šπ’”π’†π’“ π‘³π’π’π’ˆ-π‘»π’†π’“π’Ž 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 π‘Ύπ’π’“π’Œ?

πŸ‘‰It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos:
long-term healthcare, life insurance, and investment.
πŸ‘‰The long-term care program has 3 phases: the accumulation period, extended period, and the start of the long-term care period (maturity).

1. β™₯οΈπ‘¨π’„π’„π’–π’Žπ’–π’π’‚π’•π’Šπ’π’ π‘·π’†π’“π’Šπ’π’… (7 π’šπ’†π’‚π’“π’”)❀️
You start saving for 7 years while getting the following benefits:
βœ”οΈ- Free Annual Physical Exam
βœ”οΈ- Free Dental Benefits
βœ”οΈ- Waiver of Installment due to death
βœ”οΈ- Transfer of investment to beneficiary if planholder dies
βœ”οΈ- Waiver of Installment due to disability
βœ”οΈ- Basic Medical Benefits
βœ”οΈ- Member’s choice of room and board
βœ”οΈ- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
βœ”οΈ- Life insurance equivalent to contract price
βœ”οΈ- Accidental Death and Dismemberment for 20 years
βœ”οΈ- Lifetime network access to over 500 major hospitals and pool of doctors.

2. ❀️𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 π‘·π’†π’“π’Šπ’π’… (13 π’šπ’†π’‚π’“π’”)β™₯️
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
βœ”- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
βœ”- Additional Health Bonus when the market is at top performance
βœ”- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3. β™₯οΈπ‘³π’π’π’ˆ-π’•π’†π’“π’Ž π‘ͺ𝒂𝒓𝒆 π‘·π’†π’“π’Šπ’π’… (π’ƒπ’†π’šπ’π’π’… 20 π’šπ’†π’‚π’“π’”)❀️
Upon maturity, the plan holder will receive the following benefits:
βœ”- Total accumulation of un-used health funds
βœ”- Guaranteed longterm care benefit or the plan coverage
βœ”- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
βœ”Additional health benefits when the market is at top performance
βœ” Receives visa card where the funds are deposited

Options upon maturity:
☝🏻withdraw all the money
☝🏻withdraw a portion/interest only, growth continues
☝🏻retain all and let it grow at an average of 10% yearly

πŸ’‘Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.

❎ This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.

πŸ’‘The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

πŸ”πŸ’° To secure your future, message me now!

Financial Peace of Mind20s to 50s "I don't need it ""I still have employee benefits""I still have money, malaki sweldo k...
15/05/2026

Financial Peace of Mind

20s to 50s
"I don't need it "
"I still have employee benefits"
"I still have money, malaki sweldo ko"
"I am still healthy"

60s
"Pwede pa ba ako sa ganyan?"
"Mag re retire na ako, wala nang benefits"
"May sakit na ako, I was offered early retirement"

-

Reality

When we are still young, feeling secure in the job, big income, busy in the business, career and profession... we think we don't need Financial protection. Kaya we aren't interested in it.

Only when we are old, sick and with less income, that we think kelangan na natin ang mga Financial protection.

Unfortunately, financial protection is so expensive when we are old.

Worst, hindi na ma a approve application natin if we are sick already.

So if you want to be wise, don't copy the mistakes of most people.

Get financial protection while we are still young, earning and have good health. It's cheaper to buy financial protection during younger years.

E Secure mo ang lifetime coverage mo.

So when you reach older years, financial peace of mind is your greatest wealth.

Gusto mo ba ng 3in1 lifetime coverage?




"While others are still hesitating to get the Kaiser Long-Term Healthcare Plan, some are already enjoying the benefits o...
15/05/2026

"While others are still hesitating to get the Kaiser Long-Term Healthcare Plan, some are already enjoying the benefits of their matured savings.

Time waits for no one."

Ipon na walang tapon.

Kung hindi ka ma hospital o hindi magamit, convertible to savings.

Money back benefits.

May Healthcare, Life Insurance at Investment/Savings.

The Philippines' first and only All-in-1 Financial plan.

Open an account today.

Message us for more details.



This feels like one of those realizations people usually share after they’ve seen it up close.The most expensive bed isn...
04/05/2026

This feels like one of those realizations people usually share after they’ve seen it up close.

The most expensive bed isn’t in a 5-star hotel or a designer showroom. It’s in the hospital. Not because of the mattress…but because of what it takes from you.

It doesn’t just drain money. It takes time. Missed work. Missed moments. It brings stress, worry, and that quiet fear that shows up when everything slows down.

When someone ends up in that bed, all the usual labels disappear. Income, status, achievements… none of it matters. The only thing that matters is getting better.

Rest matters. Checkups matter. Eating better and sleeping enough matter more than people think.

And health insurance or an HMO? Those aren’t luxuries. They’re basics. The kind you only appreciate when you need them.

Because the real cost isn’t the hospital bill.

It’s ending up there and realizing it could’ve been prevented.

Not all financial problems, life insurance is the answer.The roles of life insurance, HMO, and memorial plan differ.We r...
29/01/2026

Not all financial problems, life insurance is the answer.
The roles of life insurance, HMO, and memorial plan differ.

We read stories like this:

The child already has insurance β€” thought it's already protected.
But when he was hospitalized, he just realized that there is no hospitalization benefit.

Not because the product is bad.
But because that's not the right solution to the problem.

This is what is often not explained properly:

The role of financial solutions is different

Life Insurance
β€’ For death benefits
β€’ Protection when someone dies
β€’ Family leave behind
β€’ Hindi automatic may hospital coverage, o critical illness benefits

HMO / Healthcare Plans
β€’ For living benefits
β€’ Hospitalization
β€’ Emergencies
β€’ Checkups, labs, treatments
β€’ This is what you look for when your child is sick

Memorial Plans
β€’ For final expenses
β€’ So that the family won't be surprised at the end
β€’ Different purpose, different timing

Different problems, different solutions.
Just one product can't be the answer to everything.

WHY FINANCIAL LITERACY MATTERS

That's why basic financial literacy is important β€”
not to be an expert, but to:
β€’ you know what to ask
β€’ you know what's not on a plan
β€’ and you don't just rely on an agent sales pitch

I want to hear your thoughts.

What do you think a parent should be the first priority?
β€’ Healthcare (HMO)?
β€’ Life insurance?
β€’ Both?
β€’ Or do you have a different experience?

Comment below.
Let’s learn from each other.

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