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How to choose insurance??

The choice of insurance is chosen according to the needs. And most importantly, the choice that we can pay (very important) because if you can't continue to pay, then disperse. Actually, choose according to this.

1️⃣ Let's start with "our needs."

Before you choose any plan, ask yourself...

🩹 "What are we most afraid of?"

Because this answer tells us what kind of insurance to start with.

• Fear of accidents / Like to travel / Use the car often 👉 Start at "# Accident insurance(PA) "

💬 Pawns are not expensive, but protection covers both treatment and death costs.

• Fear of hospitalization / no welfare from 👉# Health insuranceIs the answer

💬 help pay for the treatment, both in-patient and out, don't cut the money.

• Want to save + have a return 👉 choose "savings insurance"

💬 suits people who want to save money with discipline and get their money back.

• Worry about serious diseases / have a family history 👉 must have# Serious disease insurance

💬 immediately receive a sum of money when a serious disease such as cancer, heart or stroke is encountered.

2️⃣ Then let's see "Budget." 💸

I want you to think this easy.

"Good insurance is not the most expensive, but the most comfortable type we can afford."

📍 recommend dividing income not more than 10% per month to take care of insurance.

Such as income 20,000 baht → Total policy allowance not exceeding 2,000 baht / month

3️⃣ Brief summary before making a decision. 💬

✔ Let's start with "what we fear the most."

✔ Look at the "protection plan" that answers the problem.

✔ and then "adjust the budget" to pay.

Because "having insurance" is not just about money.

But "buying comfort gives us life and the people we love." ❤️

# Where's health insurance? # Salary man

2025/10/16 Edited to

... Read moreอายุ 27 ถือเป็นช่วงวัยที่เริ่มวางแผนชีวิต และประกันเป็นส่วนสำคัญที่ช่วยเสริมความมั่นคงทั้งด้านสุขภาพและการเงิน เลือกประกันที่เหมาะสมไม่เพียงแต่จะช่วยคุ้มครองเมื่อเจอเหตุไม่คาดฝัน ยังช่วยให้คุณมีความมั่นใจและสบายใจในการใช้ชีวิตประจำวัน สำหรับคนอายุ 27 ปี การวางแผนประกันควรพิจารณาตามความต้องการและไลฟ์สไตล์อย่างแท้จริง เช่น ถ้าคุณชอบเดินทางหรือใช้รถบ่อย ประกันอุบัติเหตุ (PA) มีความคุ้มครองค่ารักษาพยาบาลและความเสียชีวิตภายใต้เบี้ยประกันที่ไม่สูงเกินไป ส่วนถ้าคุณทำงานประจำแต่ไม่มีสวัสดิการ เพิ่มการคุ้มครองด้วยประกันสุขภาพจะช่วยลดภาระค่ารักษาพยาบาลในกรณีเจ็บป่วย ไม่ต้องควักเงินเอง อีกประเภทที่น่าสนใจสำหรับวัยนี้คือประกันออมทรัพย์ ช่วยฝึกเก็บเงินอย่างมีวินัยพร้อมรับผลตอบแทน ซึ่งเหมาะกับคนที่ต้องการความมั่นคงระยะยาว ขณะเดียวกัน หากมีประวัติครอบครัวหรือกังวลเกี่ยวกับโรคร้ายแรงอย่างมะเร็ง หัวใจ หรือลิ่มเลือด ควรพิจารณาประกันโรคร้ายแรงที่ให้เงินก้อนพิเศษทันทีเมื่อพบโรค ประกันที่ดีต้องเข้ากับงบประมาณด้วย โดยแนะนำไม่เกิน 10% ของรายได้ต่อเดือน เช่น รายได้ 20,000 บาท เบี้ยประกันไม่ควรเกิน 2,000 บาท เพื่อให้สามารถจ่ายเบี้ยได้ต่อเนื่องและไม่กระทบการใช้ชีวิต การเลือกประกันที่เหมาะสมคือการตอบคำถามว่า "เรากลัวอะไรมากที่สุด" เพื่อเลือกแผนคุ้มครองที่ตอบโจทย์สุด แล้วนำมาปรับงบให้เข้ากับฐานะการเงินอย่างสมดุล นับเป็นการซื้อความสบายใจให้ชีวิตและคนที่รัก ทั้งเป็นการเตรียมพร้อมรับมือกับเหตุการณ์ไม่คาดฝันในอนาคตอย่างมั่นใจและใจเย็นมากขึ้น

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