100 million health insurance still doesn't protect you from disease.
"There are already 100 million IPD and OPD health plans.
Take out serious disease insurance, $5 million, a hundred thousand pawns.
Better to invest money. "
This is what customers say to stars.
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The star heard and didn't immediately argue.
Because the first logic makes a lot of sense.
But there is something the customer may not know yet...
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Health insurance and serious disease insurance
Not protecting the same risk.
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⏱️ When to pay?
- Health insurance → Pay when there is a hospital bill.
- Serious disease insurance → Pay as soon as the disease is diagnosed. No need to wait for the bill.
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💳 Who did the money go to?
- Health insurance → Get straight to the hospital. You didn't even touch that money.
- Fatal disease insurance → Transfer your lump sum directly. Use it to do anything.
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📉 lost income every day.
- Health insurance → Some people may attach a daily hospital sleep compensation contract, but there are restrictions on the number of days and the amount of money.
- Serious Disease Insurance → Pay a lump sum as soon as the disease is diagnosed, no matter how many days you sleep in the hospital and use it to do whatever you want.
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🏢 Disrupted business.
- Health insurance → There is no clause in the health policy that takes care of business instead of you on your day of absence.
- Fatal disease insurance → Helping businesses stay liquid even owners need a medical stay.
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📊 portfolios that have to be sold in the wrong rhythm.
- Health insurance → When suddenly sick and in need of cash, many people need to sell assets at a pace that should not be sold.
- Fatal disease insurance → is the reserve that keeps you from making that kind of decision.
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🔑 To be clear,
Health insurance = taking care of the body
Serious Disease Insurance = Take Care of All Lives
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💡 And more importantly, this serious disease plan
Not just coverage, but fixed pawns.
And accumulate value. That means
- If Sickness with a Serious Disease → Get a lump sum of 5 million immediately. Don't wait for the bill.
- If healthy throughout → get a lump sum back as a large post-retirement fund.
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So it's not just "cost," it's
Savings with serious disease coverage are included.
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🧠 Wealth Illusion Bias: A Thought Trap
That happens to everyone.
Research in financial psychology found that
People with high property often have an unconscious belief that
"I always have enough money to buy a way out."
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Which is true in many stories, but not everything.
What Money Always Buys - The Best Medical Cost
What money doesn't buy at the right pace.
- Income lost daily during medical stay
- A business that can't wait for your decision.
- Portfolios that must be sold when the market goes down.
- A long-term financial plan that needs to start counting.
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📋 Case Study
Business owner, 42 years old, net property of 50 million baht
High-limit health plan. Date diagnosed as
Stage 2 breast cancer What happens in the next 6 months:
- 2.5 million baht for treatment → Health insurance paid to the hospital.
- Revenue lost 1.8 million. → Nothing supported.
- Selling shares at the market by 15% → 900,000 additional losses.
- Delaying a deal worth 8 million baht → Opportunities that can't hit value.
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The hospital bill is not real damage.
It's just a small part of the whole big picture.
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🪞 Let's ask yourself...
If tomorrow is seriously ill and has to take 12 months off work,
- Can business still walk on its own?
- Is the portfolio still complete without selling anything?
- Is the next five-year financial plan still the same?
- Your loved ones won't be affected, right?
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If you can answer all four "yes," that means you're planning well.
But if you hesitate with one, that's where well-designed serious disease insurance works for you.
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💬 what the stars want to leave.
Think of your favorite car that drives every day.
Health insurance is like comprehensive car insurance.
The repair cost at the time of the accident. The repair cost was paid directly to the garage.
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But while the car was in the garage for six months,
Did anyone pay you for the trip?
Does anyone make up for a missed shot?
Did anyone give you back your lost time?
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Serious disease insurance is a lump sum paid to you directly.
To take care of all the lives that still have to walk on.
Even the body needs a break.
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📈 For investment lines:
Serious disease insurance premiums are
Insurance to your Wealth Engine
Business systems, portfolios and life-long income.
Like buying Put Option, protecting the port.
Not buying because of fear, but buying because it's smart enough to know that.
"Uncontrollable risks must be transferred to others."
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"It's not for fear of not paying for treatment.
But because of what you've built your whole life,
Should not be broken because of a single disease. "
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If you read it, hesitate with one of the questions.
Leave it as a problem to review.
Stars willing to help Review Protection Portfolio
Always have a clearer picture.
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Dao Sayta | AFPT Financial Adviser ™
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# WealthIllusion