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Accident insurance alone may not be enough!

Before coming to unravel the doubts of today's topic.

Let's get to know the word "accident insurance."

Better first

Accident insurance has a very wide variety of fillings, whether it's

- Deaths in accidents will receive a standard sum of money.

- Loss of organs according to specified conditions. Lump sum received (according to the condition of how many% of the capital).

- Compensation if you have to stay from the accident.

- Treatment cost per accident (such as being bitten by a dog, multiple injections can be used for continuous treatment)

Which is the cost of treatment

So we will tell that

Why isn't accident insurance enough?

If we have a mild lesion, not severe, not very serious.

Without having to sleep in the hospital

I can say that the cost per accident is 30,000-50,000 baht.

May even feel too much

But the truth of the accident is,

Not every time an accident is a little forever.

We used to have customers whose cars fell into the hospital.

Stay in the hospital and need surgery.

Tell me this client has accident insurance.

Treatment fee 100,000 baht / accident

But the treatment cost that time was about 120,000.

Fortunately, even if there is a surplus, it is only $20,000.

Better not have any insurance and pay in full.

(If a road accident, don't let the blessings lack. He also has a preliminary treatment fee for us.)

But anyway, the limit for tracking the symptoms of the accident

It ran out immediately since the first treatment.

So what I want everyone to have in tandem is

"Health insurance."

If we have an accident, we have to sleep in the hospital.

The part that keeps from sleeping in the hospital.

Will be called from health insurance first.

Causing us to still have a limit to follow the symptoms

From the accident

Anyone who can have health insurance

Recommended. Take the fee first.

Health is like an accident.

A little sick today.

Will be seriously ill in the future?

There is better. There is not enough on the day that is too late. 🫡

Anyone interested or wanting to inquire, wondering where, can tell

Ready to answer the full question.

Or want to inquire about insurance, can tell

Ready to take care of, consult 😘

# Ploy, reader, love insurance # Accident insurance # Health insurance # My story # Warned

2025/11/9 Edited to

... Read moreในชีวิตประจำวัน อุบัติเหตุสามารถเกิดขึ้นได้โดยไม่คาดคิด และแม้ว่าเราจะมี "ประกันอุบัติเหตุ" ที่ให้ความคุ้มครองค่ารักษาต่อเหตุการณ์ อาทิ การเสียชีวิต สูญเสียอวัยวะ หรือช่องทางชดเชยการพักงาน แต่ในความเป็นจริง ค่าใช้จ่ายหลังเกิดอุบัติเหตุอาจเกินวงเงินที่ประกันคุ้มครองไว้ได้ โดยเฉพาะในกรณีที่ต้องเข้ารับการรักษาในโรงพยาบาล หรือมีขั้นตอนการรักษาที่ซับซ้อน นอกจากนี้วงเงินสำหรับค่ารักษาต่อเนื่องจากประกันอุบัติเหตุมักจำกัดและหมดไปหลังการเรียกร้องครั้งแรก ทำให้ความคุ้มครองไม่เพียงพอต่อการติดตามอาการในระยะยาว ดังนั้น การมีประกันสุขภาพเสริมควบคู่จึงเป็นทางเลือกที่ชาญฉลาด เพราะประกันสุขภาพจะช่วยรับผิดชอบค่าใช้จ่ายในการรักษาพยาบาลโดยทั่วไป ทั้งในกรณีอุบัติเหตุและโรคภัยไข้เจ็บทั่วไป ทำให้เราสามารถใช้วงเงินประกันอุบัติเหตุไปกับส่วนของค่ารักษาพยาบาลเฉพาะอุบัติเหตุได้อย่างเต็มที่ อีกทั้งประกันสุขภาพแบบเหมาจ่ายยังให้ความคุ้มครองในกรณีเจ็บป่วยทั่วไป ซึ่งช่วยลดภาระค่าใช้จ่ายที่อาจเกิดขึ้นจากอาการป่วยเล็กน้อยที่อาจนำไปสู่โรคร้ายแรงในอนาคต อีกเรื่องที่ควรให้ความสำคัญคือการต่อ พ.ร.บ. รถยนต์อย่างสม่ำเสมอ เพราะจะช่วยเคลมค่ารักษาพยาบาลเบื้องต้นในกรณีอุบัติเหตุทางถนนโดยตรง รวมถึงกรณีที่สุนัขทำร้ายหรือสัตว์กัดต้องรักษาต่อเนื่อง เช่น ฉีดยาป้องกันโรคพิษสุนัขบ้า ซึ่งค่ารักษาต่อเนื่องนี้สามารถเบิกได้ภายใต้วงเงินประกันอุบัติเหตุ ทำให้ลดภาระค่าใช้จ่ายสำหรับการรักษาที่ยาวนาน สุดท้าย อยากแนะนำให้ทุกคนทบทวนแผนประกันภัยของตนเองอย่างสม่ำเสมอ เพื่อให้สอดคล้องกับความเสี่ยงที่แท้จริง และมั่นใจว่าคุณมีวงเงินเพียงพอสำหรับการรักษาที่จำเป็น เพื่อป้องกันสถานการณ์ที่ต้องจ่ายเงินส่วนเกินจำนวนมากหรือไม่มีประกันคุ้มครองเลยในวันที่เกิดเหตุการณ์ไม่คาดฝันนี้ขึ้นจริง

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