After going through the COVID-19 crisis, I believe that many people should begin to see the importance of health insurance. to cover more medical expenses for sure Because the disease can happen to everyone indiscriminately. and preparation for unexpected events that may occur Therefore, it is very important and should be done early.
When it comes to health insurance For anyone who has never done it before, you may encounter a problem that Don’t know which insurance to choose? To be worthwhile and cover the actual expenses incurred when sick The way to get health insurance to get comprehensive coverage that AIA recommends is to choose to make “lump sum health insurance” together with “critical illness insurance” to meet all illnesses that may occur. Let’s look at the differences between these two types of insurance. So how is it better to have both health insurance and critical illness insurance together?
Packaged health insurance Comprehensive coverage, convenient, uncomplicated, supports medical expenses incurred in the hospital
The first type of health insurance that is recommended for everyone to have is “lump sum health insurance” because the health insurance package will give a relatively high claim limit, ranging from hundreds of thousands to millions. Help pay for many treatments Limitations may apply to certain items only. depending on the selected policy The form of payment of benefits is therefore easy to understand, not complicated, easy to use, convenient to enter the hospital each time. no advance payment
Packaged health insurance is therefore an insurance that everyone should have. Because we cannot predict what illness each time will be. How much does it cost Nowadays, medical technology is constantly evolving. The more the medical expenses are likely to increase steadily. Therefore, having a comprehensive health insurance is an option that ensures that each hospital visit will have a cushion to support our expenses.
Critical illness insurance, low premium, high coverage Another additional contract that everyone must have.
In addition to the lump sum health insurance that everyone must have with them. Another type of insurance that should always be a partner is “critical illness insurance”.
Because the payment of critical illness insurance is different from health insurance. If diagnosed with a serious disease The insurance company will pay a lump sum directly to the insured. which we can manage expenses by ourselves
Because if diagnosed with a serious illness, including work, food, frequency of going-out to the hospital to the people around them who need to be closely taken care of All must change and may not be able to live a normal life as before Expenses therefore are not just hospitalization expenses. Therefore, on the day when the crisis occurred unexpectedly Having a lump sum from critical illness insurance is therefore an important reinforcement that can help prevent financial jams as well.
Therefore, regardless of whether this money is reserved for daily expenses during the recovery period Take it as a physical therapy fee and recover yourself after treatment. Or it can be used to pay for other expenses in the house that are necessary, such as car payments, house payments, or paying tuition fees for children. This is different from health insurance that only covers treatment expenses incurred in the hospital.
In addition, the cost of critical illness insurance is not expensive compared to the coverage received. therefore easily accessible And can choose to buy insurance plans that are suitable for a limited budget Purchasing critical illness insurance is therefore a cost-effective option compared to the financial risks we will incur if we suffer from a serious illness.
Make “lump sum health insurance” together with “critical illness insurance”, an alternative to buying health insurance that covers more
In summary, we can see that the health insurance plan serves to help cover the expenses incurred from hospitalization. The critical illness insurance will help cover other expenses in addition to that. resulting in a sum of money to circulate and use without interruption Having these two types of insurance goes hand in hand. Therefore, it has received comprehensive protection.
This package is suitable for people who do not have much reserves for maintenance. because of the synergy of both insurance will be able to help bear the burden of expenses comprehensively In any case of illness making it possible to live comfortably And relieve worry about future health expenses
What is the best health and critical illness insurance?
For lump sum health insurance, we recommend “AIA Health Saver Supplemental Contract”, a new lump sum health insurance that offers lump sum coverage at an affordable price. Suitable for beginners in insurance because the initial premium is not expensive If you have a budget of less than ten thousand, you can have your own health insurance. This depends on your age, gender and the coverage plan chosen.
The critical illness insurance we recommend is “AIA Multi-Pay CI Supplemental Contract (AIA Multi-Pay CI)” that has changed from the traditional critical illness insurance that meets, pays, ends to ‘See, Pays, Multiple Ends’ can cover more coverage. Support for multiple claims Answers to today’s serious diseases that have a high chance of recurrence and come with high treatment costs. which for the premium It can be said that it is not expensive compared to the coverage received.
Or if you are interested in looking at the information of other insurance that we recommend, you can read the details of all health insurance forms here.
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