In general, welfare for ‘Full time employees’ such as “Group Insurance” from the company that comes with a variety of medical expenses. but usually not so high Therefore, when it’s time to actually use it, the group insurance’s medical expenses may not be enough. Therefore, even after receiving welfare from the company, you should still have a good “health insurance” with you.
However, there are different types of health insurance. Many people may not know how to start. In this article, we will explain to you why you should have health insurance and what kind of insurance we recommend for those who want to start taking out health insurance.
Group insurance is quite limited.
“Group insurance” is considered a basic welfare for people who work full time. In general, there will be a variety of coverage limits by the “protection limit” of how much treatment will be received for each item. It depends on the age of work, job position, which is usually not very high, for example, OPD may give only 1,000 – 2,000 baht per time, which may not cover the actual treatment costs in private hospitals. make us pay more
And even if you have to stay in the hospital for a long time or have a specific disease like a serious disease There will be a very high chance that the coverage of the group insurance will be insufficient. Because in most cases there will be only a few tens of thousands of protection limits. But the actual treatment cost may be higher than that.
In addition, the protection received by the company is still limited only during the working period, so if there is a reason to leave the job or retire. Equal to losing these welfare as well And if we go to get health insurance after that And having health problems, it may cause health insurance to not cover pre-existing diseases or health problems. or may not be able to apply at all
In addition, salaried workers are at increased risk of illness. Both from minor diseases like Office Syndrome caused by not having time to take care of yourself. to serious diseases such as cancer, heart disease and stroke That is often seen in the news often, so even if office workers receive medical benefits from work, they should also have “health insurance” attached.
It is recommended to get health insurance with a package and critical illness together.
For anyone who thinks that the existing welfare may not be enough. and are looking for health insurance that provides comprehensive coverage and premiums at a worthwhile level, suggesting that at present, you must start with “lump sum health insurance” together with “critical illness insurance” by health insurance
Many people may think that health insurance is a package deal. “Insurance premiums” are quite high compared to health insurance with a separate amount of general medical expenses, which AIA understands the problems and needs of customers very well. Recently, it has been released. “AIA Health Saver supplementary contract (AIA Health Saver)”, a new health insurance that provides lump sum coverage at a more comfortable price with 4 insurance plans that you can choose according to your budget, starting from 200,000 to 500,000 baht, suitable for people who are looking for extra insurance to add peace of mind. and would like to have OPD limits in affordable premiums
The highlight of AIA HEALTH SAVER is whether it’s serious illness or minor pain, it’s all covered. at an affordable price
1. Mao to pay medical expenses up to 500,000 baht
2. There is an additional limit of OPD up to 1,500 baht per time, up to 30 times per policy year.
3. Sick with 6 popular deadly diseases Double the coverage.
4. Premium starts at only 575 baht per month¹
AIA HEALTH SAVER is therefore a health insurance package that is suitable for helping to reduce the cost of treatment and as a supplement to the existing health insurance. Even with a limited budget, it can be accessed. But if wanting more coverage, you can consider Additional contract AIA Health Happy (AIA Health Happy), which has a medical limit of millions, ranging from 1-25 million baht, to cover the cost of treatment in case of serious illness instead.
Critical illness insurance recommended AIA CI SuperCare will provide coverage in the form of limits. “Medical expenses” that actually occur Can be a helper to support expenses instead Critical illness insurance offers benefits in the form of “lump sums” for expenses incurred after treatment. or during the rehabilitation period that may not be able to earn income Can be a helper to circulate cash without interruption
Both insurances can therefore work well together in terms of reducing cost burden and liquidity risk. Makes it possible to continue living on bad days Even if there is no money saved in a lump sum
Recommended lump sum health insurance AIA Health Saver
As for critical illness insurance that will help as a second layer of support, we recommend the “AIA CI SuperCare Additional Contract”, critical illness insurance that meets and pays off, covering 62 critical illnesses/treatment. It consists of 18 mild to moderate disease and 44 severe disease.
The strength of AIA CI SuperCare is that you can plan to pay premiums for a short term of 10 years or a long term of 20 years by paying premiums. fixed throughout the contract Receive long coverage until the age of 99, thus allowing easy financial planning. Don’t worry about the premium. will be higher until unable to pay In addition, if there is no serious illness at all have money back No more worries about “premium not paid”
AIA CI SuperCare is suitable for salaried people who want to gradually pay premiums. while still working And when you retire, you don’t have to pay any premiums. It makes you feel at ease no matter when you have a bad disease. was protected immediately. This is another critical illness insurance that is popular among full-time employees.
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