| 1. With an HMO, renewal is not guaranteed if you have high claims | 1. With Kaiser, renewal is guaranteed. |
| 2. With an HMO, you have a yearly increase of premium up to age 60 only. | 2. With Kaiser, you only have fixed premiums for 5 years. |
| 3. Generally, HMOs do not provide insurance coverage. Some may provide but with very low coverage. | 3. With Kaiser, you have a Four (4) way insurance coverage: a) Term Life, b) Accidental Death and Dismemberment, c) Waiver of installment due to death, and d) Waiver of installment due to permanent and total disability |
| 4. With an HMO, you have no accumulation of unused health funds. | 4. With Kaiser, all unused health fund accumulates with interest |
| 5. With an HMO, you don’t have Return of Premiums (ROP) for non-utilization. | 5. With Kaiser, you have return of premiums up to the contract price for non-utilization during the paying period. |
| 6. With an HMO, your coverage is only up to age 60. | 6. With Kaiser, you are covered even beyond age 60 with long term care yields. |
| 7. With an HMO, pre-existing illness is not covered during the 1st year and lifetime/ permanent exclusions may be issued on the 2nd year onwards. | 7. With Kaiser, pre-existing illness is not covered only during the Accumulation Period but there is no exclusions after the 5th year of coverage. |
| 8. With an HMO, you are stuck to a product with an inflexible and, non-transferable design. | 8. With Kaiser, your plan is flexible, transferable, and may be re-dated. |
| 9. With an HMO, reinstatement is limited only within 30 days of lapsed policy. | 9. With Kaiser, reinstatement can be made within 2 years of lapsed policy |
| 10. With an HMO, you have a continuous yearly payment terms. | 10. With Kaiser, you have an option of a five (5) year or a spot-cash payment options |