30 + Must Know! Check these 4 items before taking out health insurance 🏥 clearly complete

At the age of 30 +, one of the things we started to focus on was "health" and planning to cope with the yearly surge in medical costs. Getting health insurance is not just paying an allowance to have insurance, but designing welfare to "fit" in life.

Today, Bgplanner summarizes 4 key areas that you need to check well before making a decision for your own best interests. 👇

"Stop! 🛑 4 things to know before health insurance."

On days when medical expenses are more expensive than living expenses, getting ready before contracting insurance will save you money in your pocket and get the most on-the-spot coverage. Come check along.

🖼️ Check the existing welfare (Existing Coverage)

"Article 1: Do not buy redundantly if you do not know the same rights."

Before starting a new plan, spread out the original policy or check corporate welfare to see how much the treatment, surgery and room costs are available.

• Gap Analysis: See what parts are missing, such as corporate welfare, covering a room fee of 2,000, but the hospital you use is 6,000, and the difference is 4,000. This is where we need to buy more insurance to cover the risk.

🖼️ Medical History

"Article 2: History of Health...Important matters that are forbidden to cover up. "

In insurance, "great integrity" (Utmost Good Faith) is the core.

• Prepare Data: Gather All Treatment History, Identity Disease, or Even Last Admit

• Why it matters: Actual information helps companies to accurately assess risks and prevent "disputed rights" or claims later.

🖼️ The Right Plan

"Article 3: Yes map, must come with appropriate statements."

Good health insurance is not the most expensive insurance, but the insurance we "send in the long run."

• Room Rate: Check the room rate of the counterparty hospital we intend to go to.

• Budgeting: It is recommended that health insurance premiums should not exceed 10-15% of total annual income so that this plan is sustainable and does not affect other savings.

🖼️ Understand the Waiting Period

"Article 4: Health insurance...Not protected as soon as purchased. "

This is a technical condition that many people still misunderstand. Insurance has a "waiting period" to prevent the risk of disease before insurance:

• 30 days: for common diseases (flu, diarrhea)

• 120 days: for chronic diseases or tumor groups, cataracts, hernias, etc.

• Advice: The sooner you start, the sooner you pass the waiting period and get full coverage.

Because good financial planning is to reduce uncontrollable risk if you are looking for an insurance plan that "fits" with your lifestyle and budget...

📩, please consult Bgplanner. We take care of the double pack. Help you analyze the permissions and design the most cost-effective plan. 😊💖

# Financial planning # Health insurance # AIA # Bgplanner # Working age insurance