Interesting information about types of health insurance
Interesting information about types of health insurance Health insurance is something that many Thai people find complex and complicated.
What type of health insurance do you have? Buy and get the best price. Or whether it will be a waste of money if you buy it and don't use it,
today we have information about health insurance for you, try and read.
What is health insurance?
First of all, let's know what is health insurance? Health insurance is insurance in which the insurance company agrees to cover the costs incurred. Are the medical expenses incurred from the medical treatment of the insured from illness to illness? or injury to the insured from an accident
The existing health insurance schemes are quite diverse. So you can choose the one that is best for you. Health insurance can be divided into two main types:
Group Health Insurance This is the insurance you will get from your employer or the company you work for. Who can exercise the rights specified by the company.
Benefits of Group Health Insurance
This is health insurance you don't have to pay for yourself: if the company you work for can provide it.
You can save on insurance costs.
If you have other pre-existing diseases: If you have any chronic diseases. or congenital illness Some group insurances will also be able to cover the costs. But it also depends on each type of policy.
Adequate coverage:
Most group health insurance covers most necessities, such as outpatient coverage.
Accident insurance or some companies also cover the cost of dental work
Disadvantages of Group Health Insurance
No guarantee against termination of employment: If you retire from employment.
Different health insurance will also not continue to cover if there are any symptoms or illness. Serious that you are between group health insurance coverage.
Then cancel and apply for new individual insurance. You may not be covered by the new insurance. Because intermediate symptoms or diseases are considered.
“Pre-insured diseases
They are insurance that does not cover personal needs: Group health insurance may not cover all your personal needs, for example if you are traveling abroad. Medical expenses incurred abroad may not be covered.
Individual health insurance is health insurance that you can buy yourself. And can choose the type of insurance that will adequately protect you.
Benefits of individual health insurance
Get insurance that meets personal needs: For some people who may have other personal needs like dental insurance, maternity insurance, etc., you can choose an insurance plan that meets your needs.
condition Some of you may find it convenient to pay a fixed premium throughout the contract. No increase in age. Or may choose to have a higher premium. But the sum insured is also high.
Disadvantages of Individual Health Insurance
Take time to study and compare: Before buying health insurance every time. Don't forget to read the policy and terms first, which may take some time. But a comparative study will give you the most reliable insurance at the cheapest price. They may also be required to undergo a health check and answer health questions before getting insurance. But for proper protection, don't forget to fill the paperwork properly.
When answering health questions, the company will use it as information to consider getting insurance
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