What is health insurance and how important is it?

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Packaged health insurance is insurance that will help cover medical expenses There is a lump sum amount to pay for treatment per year, depending on the coverage plan that we choose, ranging from hundreds of thousands to several million baht. This makes it possible to cover actual medical expenses. Don’t have to worry that expenses will exceed the limit.

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Packaged health insurance, such as AIA Health Happy or AIA Health Saver, covers both inpatient (IPD) and outpatient (OPD) treatments*, so you can have peace of mind knowing that serious illnesses such as surgeries or Minor illnesses such as flu, headaches, and stomach aches are covered by insurance to help take care of medical expenses.

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Health insurance therefore helps us have a better quality of life. Don’t worry about the cost of treatment. It also increases the choice of receiving treatment in private hospitals. or a hospital near the house Not limited to hospitals according to the right only This gives us access to fast treatment. Received treatment with modern and convenient equipment. Packaged health insurance is suitable for those who want a packaged coverage. covers many diseases have access to good treatment without having to worry about medical expenses

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Do you know critical illness insurance? Let’s get to know the strengths and benefits.

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Critical illness insurance is another form of health insurance that focuses specifically on critical illness coverage. In which the policy will clearly specify which critical illnesses are covered. The highlight of critical illness insurance is Most often have a high coverage limit to cover the cost of treatment from serious illnesses. But insurance premiums are not expensive. and is often cheaper than fixed-price insurance People with low budgets can buy it so that they don’t have to worry about both medical expenses and other expenses. On the day when the disease comes unexpectedly, such as cancer, which is a more common disease and has a high cost of treatment in the millions Especially if it is necessary to use modern and highly effective treatment methods. Treatment costs may rise to more than ten million baht. Which, if we do not have insurance first, would not think about where to get the money from for treatment Especially in those who have not much savings.

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For paying the benefits of that critical illness insurance General critical illness contracts are meet, pay, end, such as AIA CI Plus or AIA SUPERCARE 20/99. The insured will receive a lump sum. making it convenient to manage other expenses That is in addition to the cost of treatment, such as rehabilitation expenses home expenses during our lack of income Travel expenses to the doctor special nursing fees, caregivers, home improvements to support the rehabilitation of patients, etc., which is different from health insurance, which only pays directly to the hospital.

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However, nowadays serious diseases, even if cured, have a chance to come back again. especially the three most popular serious diseases like cancer Stroke and heart disease, critical illness insurance, met, paid for many ends, AIA Multi-Pay CI is another interesting option. because it supports the recurrence of metastatic cancer Cerebrovascular disease or blockage and acute myocardial infarction from ischemia Or if you get sick with other serious illnesses in the future, you can claim up to 11 times and receive a maximum benefit of 800% of the sum assured. according to the conditions specified in the policy

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Therefore, in addition to the health insurance package Critical illness insurance is therefore another necessary insurance to cover various escalating expenses. followed by a serious illness Whether it is the cost of treatment that may increase in the future until the amount of health insurance that has been made is insufficient. or other hidden costs however mentioned above So that we can access good and fast treatment. This will increase the survival rate and the chance of healing faster.

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Package health insurance or critical illness insurance, which one should I buy?
Compensation health insurance and critical illness insurance each have advantages and serve different purposes. Therefore, when choosing, we must consider our risk of illness and our needs as to what type of coverage we want. How much does the group insurance or welfare from our existing company cover? And how much we have the ability to pay premiums to determine whether health insurance or critical illness insurance is more necessary for us.