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ชมพู่ FWD : FINANCIAL PLANNER

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At 30 baht is not enough.

If it's urgent... but we have to wait.

No savings. What to do?

The best insurance is self-insurance.

# Insurance # Serious disease # Cancer # Diabetes # Cracked cerebral veins

5/25 Edited to

จากประสบการณ์ตรงที่พบเจอในชีวิตจริง สิทธิ์รักษาพยาบาล 30 บาท ที่รัฐบาลจัดให้เป็นสิ่งที่ดีแต่ไม่เพียงพอต่อภาระค่ารักษาโรคร้ายแรง เช่น มะเร็ง เบาหวาน หรือเส้นเลือดสมองแตก ที่มักต้องใช้เครื่องมือและยาที่มีราคาสูง เช่น MRI ที่ต้องรอคิวนานหลายเดือน หรือยาพุ่งเป้าที่ช่วยยับยั้งการลุกลามของโรคซึ่งไม่ได้อยู่ในสิทธิ์ประกันพื้นฐาน ทำให้หลายคนต้องเผชิญกับความกังวลด้านการเงินและสุขภาพ การมีประกันติดตัวที่ครอบคลุมโรคร้ายแรงและช่วยจ่ายค่ารักษาที่เกินจากสิทธิ์พื้นฐานจึงเป็นทางเลือกที่สำคัญ ซึ่งผมพบว่าการลงทุนจ่ายเบี้ยประกันในราคาวันละไม่กี่สิบบาท สามารถสร้างความอุ่นใจและลดภาระหนักช่วงเจ็บป่วยได้มาก ขอแนะนำให้วางแผนประกันสุขภาพตั้งแต่วันนี้ เพราะเหตุฉุกเฉินไม่สามารถคาดเดาได้ และการรอคอยการรักษาที่ล่าช้าอาจทำให้อาการหนักขึ้นหรือเสียโอกาสรักษาที่ถูกต้องทันเวลา ในฐานะคนที่เคยเห็นเพื่อนและครอบครัวต้องดิ้นรนในสถานการณ์แบบนี้ สิ่งที่ดีที่สุดคือการเตรียมพร้อมให้ชีวิตปลอดภัยด้วยประกันที่เหมาะสม พร้อมให้การดูแลที่รวดเร็วและครอบคลุมในทุกช่วงชีวิต

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