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I'm gonna have surgery, but I'm worried about insurance coverage.

What everyone's worried about (with or without insurance, whatever)

Is the cost of hospitalization.

(Because it's so expensive, sleeping in a hospital is equal to a month's salary)

Like, if someone with insurance can authenticate,

To dissect how much it costs to claim.

And how much is the surplus?

Which sometimes (secretly often)

The company has already estimated a lot of surpluses.

Like this case (New Health Standard)

Just enough to talk to a client.

Make known the costs that the hospital sends to the company.

And from a similar experience,

To know that the surplus may not be as large as estimated.

Because of the client's surgery.

It can be a Day case.

The Day Case is a major surgery.

But you don't have to sleep at the hospital.

So the company evaluated the treatment.

It would be the case if the client had surgery and slept in the hospital.

(Which, according to the criteria of the parties claimed, may require that

Usually wrist surgery requires sleep, hospital, how many days do you use?

Therefore informed a lot of excess)

But the client only slept in the hospital for one night and left.

And maybe with regard to room, equipment.

That may not be as much as the company estimates.

The surplus the customer actually paid was only 90 baht.

So insurance can help us with treatment costs.

Faster, more convenient.

If asked if civil service welfare already exists

Should there be health insurance?

Can say that should

Because sometimes the room fee can have a surplus.

Some hospitals will be able to send excess from direct pay.

Enter the insurance claim immediately.

Comfortable bag, this job 🤟

Interested in inquiry

Or want information.

Wondering about insurance. You can ask. ❤️

# Lemon 8 Howtoo # Ploy, reader, love insurance # Surgery for cuff inflammation # Financial planning # Health insurance

1/1 Edited to

... Read moreสำหรับใครที่กำลังจะเข้ารับการผ่าตัด ไม่ว่าจะเป็นข้อมือหรืออวัยวะอื่นๆ สิ่งที่มักเป็นกังวลคือว่า "ประกันสุขภาพจะช่วยเหลือเรื่องค่าใช้จ่ายได้แค่ไหน" จากประสบการณ์ตรงของผมพบว่าการเตรียมเอกสารและแจ้งโรงพยาบาลเพื่อทำเรื่อง pre-authorization ก่อนเข้ารับการรักษามีความสำคัญมาก เพราะจะช่วยให้บริษัทประกันประเมินค่าใช้จ่ายและแจ้งผลว่าค่ารักษาพยาบาลส่วนใดที่ประกันจะคุ้มครองและส่วนไหนที่ต้องจ่ายเพิ่ม ในเคสผ่าตัดข้อมือที่ผมมีโอกาสได้รู้จัก ส่วนเกินที่ต้องจ่ายจริงๆ น้อยกว่าที่บริษัทประเมินไว้มาก เพราะการรักษาแบบ Day Case ทำให้ไม่ต้องนอนโรงพยาบาลหลายวัน ค่าใช้จ่ายจึงลดลงและสะดวกกว่า อีกเรื่องที่อยากแนะนำนักอ่านคือ ถึงแม้ว่าจะมีสิทธิ์ประกันสวัสดิการข้าราชการหรือประกันสังคมก็ยังควรมีประกันสุขภาพควบคู่ไว้ เพราะบางครั้งค่าห้องหรือค่าวัสดุทางการแพทย์ที่โรงพยาบาลเรียกเก็บอาจมีส่วนเกินซึ่งประกันสุขภาพจะช่วยเคลมส่วนนี้ได้โดยตรง ช่วยลดภาระค่าใช้จ่ายได้มาก สุดท้ายอย่าลืมว่าการสอบถามและขอข้อมูลล่วงหน้าจากตัวแทนประกันหรือเจ้าหน้าที่โรงพยาบาล จะช่วยให้เราเข้าใจสิทธิ์ของตัวเองและจัดเตรียมงบประมาณสำหรับรักษาพยาบาลได้ดีขึ้น การได้รับข่าวสารรวดเร็วและชัดเจนช่วยลดความกังวลและทำให้การผ่าตัดผ่านไปได้ด้วยดีค่ะ

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