Many people probably know the importance of having “Health insurance” is already known that it can serve as a cushion for medical expenses that can help us on the day that we get hurt and not get hurt in our pockets, so having good health insurance with us helps us and those around us feel at ease. But when it comes to choosing to buy, you have to have a headache every time. Because nowadays, there are many health insurance products to choose from. and also a variety of coverage and prices therefore making it difficult to decide For anyone who wants to do health insurance But still do not know how to start. What’s there to consider? And then have to choose how much money to make is appropriate. In this article, AIA has advice for those who are interested in starting health insurance for you.
1) Why should I have health insurance with me?
Health insurance is considered something that everyone should have with them. Most people tend to think that we are healthy, not sick, why do we need health insurance? But in fact, no matter who has a chance to get sick. And no one can know in advance when sickness will happen to us.
In addition, medical expenses, especially private hospitals, tend to increase continuously. From the past data, it was found that the medical expenses of each person would increase at the level of 6 – 8% per year, that is, every 9 – 12 years, the medical expenses had a chance to double1. requiring long treatment or serious disease like heart disease, cancer, or brain disease There will be a higher level of cost even more.
Having health insurance is a plan to prevent financial risks in case of insufficient funds for medical expenses. Until we may have to use the savings or be in total debt to earn money for treatment It also gives us the opportunity to access better and faster medical services. Whenever you get sick, you don’t have to worry about expenses. able to heal fully
2) How much health insurance should I get?
If I answered honestly, I would have to say that The more coverage, the better, but the budget will also increase accordingly. Therefore, it must be divided into two parts, namely “the coverage we want” and the “budget that can afford” to be weighed together, with 4 steps as follows.
Step 1 Check current welfare benefits
In general, we often have some medical benefits with us. The first step we have to come back and check ourselves first, where and how much we currently have welfare. Whether it’s group insurance, social security, gold card, including existing health insurance. and is currently in effect.
Step 2 Explore how much coverage we need.
Then try to think that if there is an urgent matter that we have to admit to hospital. Which hospital will we mainly be treated in? and then try to check how much the medical expenses are estimated Both room and medical expenses for general illnesses including serious illnesses in order to roughly estimate the cost.
Step 3 Find the difference between item 1 and item 2.
when we know how much welfare we have And what our needs are, we will see the “difference” that has occurred. Then we will have a rough figure of how much health insurance should be in order to cover this difference, for example in the room rate category for some people. There may already be some group insurance. Let’s continue to see how much is still lacking in order to cover all room costs, etc., which we should calculate a little allowance for the treatment rate that may increase according to inflation in the future as well.
Step 4 Consider the appropriate insurance premium.
when we know the amount and coverage we need must be taken into consideration together with insurance premiums because each person has an income Including different cost burdens The budget for primary health insurance may be set at approximately 10% of annual income. in order to be able to pay in the long run and not too heavy a burden This may be increased or decreased according to the objectives of the insurance and the needs of each person.
3) Which health insurance is good? Should I get a health insurance package or critical illness insurance?
If you want comprehensive health insurance, the AIA recommends doing so. “lump sum health insurance” together with “serious illness insurance” attached to the end of the glove because it is a more cost-effective and comprehensive package To support both general and serious illnesses In which case we are born with a serious illness. These two insurances serve different but complementary protection functions.
for health insurance will be the type of insurance “Limit of treatment expenses” per year, provided as a flat payment how much treatment can withdraw from the insurance company according to the coverage amount There will only be restrictions on certain items, such as room rates per day. Doctor’s fee per day and home medicine However, the details may differ according to the terms and conditions of each policy, so the health insurance plan allows us to access good treatment. ready to share the expenses incurred in the hospital
but for critical illness insurance will provide benefits in another form If diagnosed with a serious illness, you will receive a “lump sum” immediately. Critical illness insurance will allow us to use this amount for expenses other than medical expenses incurred in the hospital. Whether it’s the wages of nurses or home care workers. Cost of equipment used in rehabilitation when returning to recuperate at home Travel expenses to the doctor Including other expenses in daily life that may be affected by our hospitalization and lack of income. This money therefore helps to improve cash flow, so critical illness insurance can help reduce liquidity risks when a crisis occurs. Without having to turn to rely on anyone, even if there is no money to keep
Buying health insurance together with critical illness insurance can meet the needs of people who have a lot of expenses and people who don’t have a lump sum as well. because it can help bear the burden of expenses In any case of illness It can be said that it is an end that allows us to worry about one thing about our health.
4) Recommended initial health insurance
For anyone who is looking for a lump sum health insurance to help alleviate the cost of treatment, I recommend AIA Health Saver (AIA Health Saver), the initial lump sum health insurance. The latest from AIA that will come to “help alleviate medical expenses” very well.
AIA Health Saver offers a lump sum coverage of up to 500,000 baht* with double coverage for a total of 4 policy years in the event of a serious illness diagnosis**, covering both inpatients (IPD) and outpatients (OPD) with Treatment limit per policy year For medical service fees for treatment in case of dialysis, radiation and chemotherapy, premiums start at only 575 baht*** per month. The lump sum health insurance AIA Health Saver can start from the age of 15 days until the age of 75 and cover until the age of 99, so it is suitable for people who have just started having their first health insurance.
5) Critical illness insurance that is recommended to be attached to the end of the glove
for serious illness insurance that will help “Enhance liquidity” for bad days. AIA CI Plus supplementary contract (AIA CI Plus) that provides coverage for up to 44 critical illnesses, receiving a lump sum of 100% of the sum assured. When a critical illness covered by the definition is detected or death, regardless of serious illness or not Therefore, paying premiums is not wasted. Just pay the premium Starting in the thousands per year, you will get coverage up to millions* ever.
*Annual insurance premium is calculated from the insured aged not over 40 years, the sum assured is 1,000,000 baht.
For anyone who has read up to here and saw the importance of having health insurance. And interested in doing insurance with AIA
can register interest in insurance on the website so that our agents can contact you back
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