"What insurance should a child have?"

"What insurance should a child have?"

For parents, the number one concern is about "doctor fees," because young children are not healthy, sick whenever they go to the hospital, and the cost of children's care today (especially private) goes very far.

To make your decisions easier, focus on how to choose insurance for your young child.

1. Health insurance

Here are the "must have" things, divided into 2 main forms:

Recommended: Pay according to the specified limit (e.g. 1 million, 8 million per year). The advantage is to cover the ever-increasing cost of treatment. Do not sit down to separate the cost of the room and the cost of the drug.

Separate cost: It will be clear that the room fee is this, the doctor fee is this. If the treatment fee exceeds, we have to gouge ourselves. The advantage is that the premium will be cheaper than the fee.

The right way to choose a plan is to check the hospital near the house how much the average room is per day and choose a comprehensive plan.

And there should be an OPD limit on it, because young children often seek out doctors without sleeping in the hospital (e.g., colds, ear checks). If there is an extra budget, having an OPD will save a lot of fussy money.

2. Accident Insurance (PA)

Children of the age are naughty, some bumps, some bumps are normal. Bail is very cheap (early thousands per year), but can cover the wound wash or small accidents without reservation.

3. Daily income compensation insurance

This one doesn't protect the child directly, but it pays the parents the number of days the child sleeps in the hospital to compensate for the time we have to stop the fever.

If you work at a company with group insurance coverage for your child, choose "Deductible" insurance to lower premiums. Use the first part of company insurance first.

And most importantly, parents' health comes first.

It provides insurance for the child to forget himself, because the parents are your "money and gold pond." If we are anything but do not have insurance to take care of ourselves, it will affect the child in the long run.

And recommend doing it when you are "still healthy," because if you have a history of frequent illness or chronic disease, the insurer may not guarantee or exclude the disease that was before.

Children's premiums for 0-5 years are the most expensive because they are high risk, and the price gradually decreases as their children grow up.

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Rabhasa Full Loyal (Sa) Allianz Ayutthaya Life Insurance

Number: 083 891 6785

Website: https://www.prakan-untold.com

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