How to plan health insurance? When social security and group insurance are available.

"How to plan health insurance when social security and group insurance already exist?"

There are social security rights or group insurance from companies. The core of personal health insurance planning is "closing the gap," because these two rights often have restrictions on "limits that may not be enough" and "continuity when changing jobs."

The planning should be as follows:

1. Analysis of the weaknesses of the rights available

Social Security: Covers standard treatment in hospitals by right, but inconvenient in queuing terms, and does not cover medical expenses in upper-level private hospitals (in case you need the best treatment technology).

Group insurance: Very good because you don't have to pay your own allowance, but the most "fragile" because the right is lacking immediately when you resign or change your job, as well as often having a limited per-time limit. If you have a serious illness, the limit may not be enough.

2. "Top-up" strategy for complete coverage

The smartest way to save a pawn and get maximum coverage is to buy health insurance with the first part of liability (Deductible).

Principle: Use Group Insurance or Social Security to pay the "first sum." If the cost of treatment exceeds that, the personal health insurance you bought will come in to pay the "rest" to the full limit.

The advantage is that the allowance is much cheaper: putting in the first part of the damages (such as 20,000 or 30,000 baht) will make your annual premium 30-50% cheaper.

Continuity: You will have personal health insurance as a permanent "stronghold" with you for the rest of your life, no matter how many times you move your job.

Consult health insurance planning. Chat now.

Or Adline https://line.me/ti/p/~kopipapa

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