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There are health insurance. Why do you need more accident insurance?

Health insurance 🔽

- Advantages: Get a high limit. Some money plans are used to treat heavy case accidents, such as broken legs, heavy arms, but not the hospital.

: No need to buy more insurance plans. Some plans are available in Category 7 of health insurance.

- Disadvantages: Requires treatment only within 24 hours.

: Most can't be used for continuous treatment. It can only be used when adding first and then following symptoms (if not sleeping).

Accident insurance 🔽

- Advantage: No need to be admitted within 24 hours. After 3 days, the condition does not improve, can use insurance.

: Continuous treatment, follow up symptoms such as daily plan, silk cut, X-ray MRI

: A single limit is valid for both admin and non-hospital from accidents.

: Pawns are much cheaper than health insurance.

- Disadvantages: The treatment limit is not as high as health insurance, maybe 10,000-100,000 baht per injury (depending on the plan).

: Only accidents can be treated. Patients can't use accident insurance.

🗣: There are health insurance + accident insurance ✅. Anyone who hasn't planned it can start today. 🥰

# Health insurance is very important # Accident insurance # Health insurance # Children's health insurance # Accident

1 week agoEdited to

... Read moreจากประสบการณ์ส่วนตัว ผมพบว่าการมีประกันสุขภาพแต่เพียงอย่างเดียวอาจไม่เพียงพอในทุกสถานการณ์ โดยเฉพาะเมื่อเกิดอุบัติเหตุซึ่งบางครั้งการรักษาอาจล่าช้าเกิน 24 ชั่วโมงหรือไม่ต้องเข้าพักรักษาตัวในโรงพยาบาล การมีประกันอุบัติเหตุจึงเข้ามาตอบโจทย์ในจุดนี้ เพราะประกันอุบัติเหตุมีความยืดหยุ่นในการใช้สิทธิ์รักษาที่มากกว่า รวมถึงครอบคลุมการรักษาพยาบาลต่อเนื่อง เช่น การล้างแผลทุกวัน ตัดไหม ตรวจ X-ray หรือ MRI ซึ่งประกันสุขภาพอาจไม่ครอบคลุมถ้าไม่ได้เข้ารักษาใน 24 ชั่วโมง นอกจากนี้ เบี้ยประกันอุบัติเหตุก็มีราคาถูกกว่าประกันสุขภาพมาก ทำให้การมีประกันทั้งสองแบบช่วยกระจายความเสี่ยงและลดภาระค่าใช้จ่ายได้ดีขึ้น อย่างไรก็ตาม วงเงินของประกันอุบัติเหตุจะไม่สูงเท่าประกันสุขภาพ ซึ่งเหมาะสำหรับการรักษาอุบัติเหตุโดยเฉพาะ แต่ถ้ามีอาการเจ็บป่วยอื่น ๆ ก็ยังสามารถใช้ประกันสุขภาพรักษาได้ตามปกติ แนะนำให้ทุกคนวางแผนทำประกันทั้งสองแบบควบคู่กันเพื่อความคุ้มครองที่ครอบคลุมและดูแลตัวเองได้อย่างมั่นใจในทุกสถานการณ์อุบัติเหตุและโรคภัยไข้เจ็บ มั่นใจว่าคุณจะได้ประโยชน์สูงสุดจากกรมธรรม์ทั้งสองชนิดโดยที่ค่าใช้จ่ายไม่สูงเกินไป เหมาะสำหรับผู้ที่รักความปลอดภัยและวางแผนอนาคตอย่างรอบคอบ

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