What insurance does the budget do? Good health coverage. ❓

When there are a lot of "routine expenses," such as water, electricity, house rent, car installment, card installment, it makes many people feel that health insurance is very far away.

But actually, "starting small" reduces a lot of life risk. Millet often plans for customers like this.

✅ 1) Start with accident insurance first (thousands / per year)

Because...

- Pawns are very cheap. Some companies start 1, xxx.

- The biggest protection is accidental deaths (hundreds of thousands to millions).

- Suitable for low-budget people, travel every day.

- No check-ups, almost any profession.

- When's the accident? Use it immediately. No need to wait.

✅ 2) Add "serious disease insurance" (allowance starts from 4,000-6,000 baht / year).

Many people don't know...

Some serious disease insurance companies start only 4, xxx - 5, xxx baht per year. They have coverage for 10-20 or more serious diseases.

- Get the money immediately after the doctor diagnoses.

- Take that money and pay for the treatment, the work, the life expenses.

- Hundred thousand-million high protection limits.

3) Invest in increased regular plan health insurance (allowance starts from 1,200-1,500 Baht / month)

Once the base starts well (accident + disease), the next step is to do "cost-separated" inpatient plan health insurance (IPD).

What is the cost separation plan?

- Protection as items such as room, surgical doctor, drug charge, ICU charge, etc.

- There's a separate limit, not a single sum.

Advantage

🏥 cheaper than a charter plan (starting at 1,200-1,500 baht / month)

🏥 Suitable for people who need basic coverage.

🏥 Enough limit for intermediate public-private hospitals.

The downside

❌ If the cost is high, it may exceed each limit.

❌ Some diseases are not covered if they have the same history (may be excluded).

❤️ Summary of insurance collection routes for low budget people

1️⃣ start with the cheapest accident insurance, but big coverage.

2️⃣ add serious disease insurance, thousands of pawns a year, a sum of money.

3️⃣ Capped as a health plan, IPD split expenses, thousands of pawns per month, treatment protection.

Do it one by one. Chase the budget. No need to hurry.

Because the goal is to "reduce the risk as much as possible in our budget."

# Insurance # Health insurance # Accident insurance # Life insurance # Plan the use of money