If having group insurance, should I have private health insurance?

If a company already has group insurance, should it take out private health insurance? For working people who already have good welfare, the answer is "should do strongly," but what you do depends on how "comprehensive" your original welfare is.

The reasons why Group Insurance is often inadequate are the following:

1. The limit is usually limited (Limit of Cover)

Most group insurance is separated into categories, such as the 2,000-4,000 baht room fee, or the early tens of thousands of medical expenses, which in an age of inflation every year, if surgery is required or a serious disease, these limits are often "out of place" and you have to gouge your pocket.

2. Risk when "unemployed" or "retired"

This is the weakest point. Group insurance only covers when you are an employee:

If resigned or terminated: the protection right will disappear immediately.

If you retire: At the age of greatest need, you don't have insurance coverage, and applying for new health insurance in your 60s is very difficult, or premiums can be very expensive.

3. Future health issues

If you wait until you get older or start having a physical disease and then think about taking out personal insurance, the insurer may "do not accept" or "except for the protection of the disease." Starting from a healthy day is the best coverage lock.

Purchase Selection Strategy: "First Part Liability Health Insurance (Deductible)"

If you already have group insurance, you do not need to buy full-price health insurance, it is recommended to look for a plan with Deductible, which saves 30-50% of your allowance.

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