"What kind of insurance should civil servants do?"

"What kind of insurance should civil servants do?"

Insurance planning for civil servants is more advantageous than other professions because they already have a strong base of health care benefits. However, insurance planning to cover and answer future problems should be taken into account as follows:

1. Understand the original welfare (stronghold).

The welfare of civil servants covers themselves, their spouses, their children and their parents, which is a great advantage, but there is a point to be aware of.

1.1 Drug limits and treatment costs because certain drugs or new therapeutic innovations may not be on the National Primary Drug Account, or have surpluses to pay for themselves

1.2 Room costs often have a ceiling that is not very high. If you choose a leading private hospital, there may be an extra pay difference.

1.3 Future uncertainty. Welfare may be modified in terms of government policy.

2. What civil servants "should" supplement (plug the leak)

To stabilize finances and not have to pay for medical expenses, consider planning in these 3 areas.

2.1 Affordable health insurance (Top-up)

For pay the difference covered by public welfare (such as excess room fees, specialist doctor fees, or new treatment technologies).

A "chartered" model should be chosen for peace of mind in the treatment of serious diseases.

2.2 Critical Illness Insurance

State welfare is maintained, but it does not provide a "lump sum." If you are seriously ill, have to take a break from work, or lose your income from not taking a supplementary career, focus on the kind that pays a lump sum when detected for monthly expenses or health recovery during a lack of income.

2.3 Life insurance (to protect the family)

Since civil servants have a pension, if they die, the pension will cease. If you are a pillar of the family, there should be life insurance for inheritance or capital for the people behind during Sicrit.

3. Insurance Planning Guidelines

3.1. Estimate the liabilities. If there is a large amount of cooperative debt or bank debt, credit protection life insurance is provided so that the debt does not fall to the heirs.

3.2 Use tax concessions. Buying life insurance and health insurance can be used for tax concessions, which is a good way to increase financial efficiency for tax-based civil servants.

3.3 Plan after retirement. When retiring, welfare rights may have different conditions than when working (such as pension rights). Check the Comptroller's conditions clearly so that coverage is possible without seaming.

Civil servants have doubts, consult insurance plans.

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