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If the agent is absent, who loses the benefit?

🧐 ever think, if we lack a bail agent, how will we be affected?

💭 in Thailand, many people pay for their "insurance salesman," but think of a day without an agent.

Will we remember the insurance plans that we can do over time?

Would we know that some symptoms can't be claimed?

Do we know what each hospital process looks like?

Will we know why if the pawn goes up?

There are only questions. (If people don't buy with the agent, what to do?)

Why 💭? The agent is critical of the client's hospital selection.

➡️ today, we have to admit that if we are going to be admitted to a private hospital somewhere, we have to have "money." The hospital does business, which means it needs "profit." Today, we will see that there are a lot of private hospitals, which everywhere are always competing in the market, large and small, and have a burden to bear, both salaries, doctors, nurses, water, electricity, tools and dividends. Shareholders.

➡️ but because there are so many pharmaceutical hospitals. What should A, B, C & D do? In order to make the hospital have a lot of patients, the income can come in. They may compete in different ways, such as doctor's excellence / modern tools / difficult cases. Even if the chance of survival is only 1%, people are ready to save their loved ones, including marketing the promotion to make themselves prominent and the first place to think about.

➡️ ever wonder, there's still a sale in the clinic that sells us cosps, but does each hospital have a sale?

Answer Yes, but may use other names such as BD, MKT and so on, and they will not be able to sell overly because of laws and ethics, image, conflicts of interest.

Imagine that today we went to the physical examination and there was a sale coming in and selling that

👱🏼‍♀️ "Elder, the surgery with us is very good. The doctor graduated from abroad through a lot of difficult cases, which is definitely better than anywhere else. And if there is a 30% discount promotion in this period, you have to hurry before you run out of promotion."

How do you feel??

💭 for this reason, hospitals rely on "insurance agents" to bring patients in their pots to the hospital, such as giving special discounts to the agent's customers or providing special services to patients and agents.

💭 replace at first, the client chooses to operate with the hospital. But when the agent suggests or says that there is a promotion here, the client has a higher chance to go to the hospital. The hospital gets income, the patient gets treatment, the agent is easy to claim (+, +, +).

💭 the person the client trusts the most is the representative of each client.

.

.

.

🤔 summary, if there is a lack of "agent" today, can you guess and use who will lose the benefit?

# Life insurance agent # Private hospitals # businessanalysts # Health # Health insurance

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... Read moreในประสบการณ์ของผม การมีตัวแทนประกันสุขภาพนั้นไม่ใช่แค่เรื่องการซื้อประกันเพียงครั้งเดียว แต่เป็นสิ่งที่ช่วยดูแลและอำนวยความสะดวกในการใช้สิทธิประโยชน์ในระยะยาวอย่างมากมาย ตัวแทนประกันเหมือนเพื่อนคู่คิดที่ช่วยเตือนและให้คำแนะนำเมื่อต้องเจอเหตุการณ์ไม่คาดฝัน เช่น การเปลี่ยนแปลงข้อกำหนดกรมธรรม์ หรือกรณีเบี้ยประกันปรับขึ้น เนื่องจากตัวแทนเข้าใจและติดตามรายละเอียดได้ดีกว่าที่ลูกค้าจะทำเองได้ง่ายๆ เมื่อพูดถึงโรงพยาบาลเอกชน หลายครั้งที่โรงพยาบาลจะมอบโปรโมชั่นหรือบริการพิเศษสำหรับลูกค้าที่มีตัวแทนประกันสุขภาพอยู่เบื้องหลัง ซึ่งเป็นเหมือนการทำข้อตกลงทางธุรกิจในรูปแบบหนึ่ง ตัวแทนจะช่วยประชาสัมพันธ์และพาเข้าถึงสิทธิ์เหล่านั้นได้อย่างรวดเร็ว ไม่ต้องเสียเวลาเจรจาเอง นอกจากนี้ตัวแทนยังช่วยให้ข้อมูลเกี่ยวกับขั้นตอนการเคลมและเอกสารที่จำเป็น ช่วยลดความสับสนหรือความผิดพลาด ที่อาจส่งผลให้ลูกค้าพลาดสิทธิ์หรือความคุ้มครองไปได้ อีกสิ่งที่ผมเห็นว่ามีความสำคัญในบทบาทของตัวแทน คือความไว้วางใจที่ลูกค้ามอบให้ ตัวแทนมักจะสร้างความสัมพันธ์ระยะยาวและเข้าใจความต้องการของลูกค้าแต่ละคนอย่างลึกซึ้ง ส่งผลให้ลูกค้ารู้สึกมั่นใจเมื่อเกิดเหตุฉุกเฉินว่าจะได้รับการช่วยเหลือที่เหมาะสม ทั้งในเรื่องของโรงพยาบาลที่ควรเลือกและการเคลมค่ารักษาพยาบาล ในขณะที่โรงพยาบาลเองก็มีต้นทุนและการแข่งขันสูงในตลาดเอกชน ตัวแทนช่วยเชื่อมโยงระหว่างลูกค้าและโรงพยาบาล ทำให้ทั้งสองฝ่ายได้รับประโยชน์เพิ่มขึ้น นั่นคือ โรงพยาบาลได้ผู้ป่วยที่เหมาะสมและมีรายได้ ส่วนลูกค้าได้บริการที่คุ้มค่าและถูกต้องตามกรมธรรม์ ถ้าหากขาดตัวแทนไป ลูกค้าอาจต้องเจอกับความยุ่งยากในการทำความเข้าใจกรมธรรม์และขั้นตอนการเคลมเอง รวมถึงพลาดสิทธิพิเศษต่างๆ ที่ตัวแทนนำมาให้ ในขณะเดียวกันโรงพยาบาลอาจเสียช่องทางการตลาดที่ช่วยเพิ่มจำนวนคนไข้ จึงไม่แปลกใจเลยว่าทำไมตัวแทนประกันสุขภาพจึงเป็นกลไกสำคัญในการสร้างสมดุลประโยชน์ระหว่างลูกค้า โรงพยาบาล และบริษัทประกันภัย

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