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Do not make insurance to accumulate property for health.

When I hear a customer say that with confidence,..

"I have health insurance.

At ease, "🛡️

I myself am comfortable too...

Until I see the policy book. 📖

Then found out...

The health insurance that his brother left for his life is in tow with the main inheritance contract. 🧩

⛓️ 💥 Why do I call it# Trap ❓

Many people choose to do this...

Because I want my money back. 💰

And I want to claim it. 🩺

Sounds good, doesn't it?

Pay short, complete protection, finish in one volume.

But let's look at the truth behind this number... 👇

Main contracts (accumulation of property):

Pay 5 years, cover 15 years, ⏳

Additional contracts (health):

Tied to the main contract. 🧾

The horror is here...

At the end of the 15th year,

The savings are back with interest (seems good). 💵

But that second...

"The health contract will end immediately!" 💨❌

⏳ pay back...Then can do again 🤔

Imagine following me... 🧠

You're 35 today, healthy.

Insurance is very easy

But in the next 15 years,..When you're 50, 🎂

It's the age when the body starts to raise the alarm. ⚠️

📉. The pressure starts to get high.

🍔. Fat begins to spread the liver.

🍬 Diabetes started asking.

When the original insurance expired...

You have to walk to get new insurance in your 50s. 🏃‍♂️

The point is,

Will the insurance company still accept you? 🤨

Or if he took all the exemptions from the disease you've been with? ❌

🔀 targets at the park.

Health insurance = We want it to stay up to the age of 90-99. 👵👴

Accumulate = We want to get our money back in 10-20 years. 💵

When the target goes together... 📈📉

So tying them together becomes a risk.

Because the main contract is

The breath determinant of the health contract, sir. 🎯

That's why I recommend it.

# Life insurancePair with

# Health insuranceMore than

Because it is a guarantee that

This welfare will take care of you all the way to

The last day, really. 🛡️✨

💡 a vikorn planner.

Don't let the desire for a small refund... 💰

Let's destroy the right to a large chunk of medical care.

When you get older,

Try to pick up the policy and check it today: 📑

How old is 📅 the main contract of protection?

🩺 health promise to last until retirement? 👴

Because the scariest thing...

It's not "uninsured." ❌

But to "understand that there is."

On the day it is about to expire

Check before you're late...If there's a question or

Need me to see the policy book.

Say hello to consult now. 📥💬

# vikornplanner # CFP

# Thailand life insurance

# FINNOMENA

3/1 Edited to

... Read moreจากประสบการณ์ตรงและข้อควรทราบเกี่ยวกับการทำประกันสุขภาพแบบเหมาจ่ายที่ผูกกับประกันสะสมทรัพย์ ฉันพบว่าหลายคนมักลืมคิดถึงระยะเวลาคุ้มครองที่แท้จริง ระหว่างสัญญาหลักที่มีอายุจำกัด เช่น 15 ปี กับสัญญาเพิ่มเติมที่เกี่ยวข้องกับสุขภาพที่ผูกติดกัน เมื่อครบกำหนดสัญญาหลัก เงินออมคืนกลับมาพร้อมดอกเบี้ยดูเหมือนเป็นเรื่องดี แต่สิ่งที่หลายคนไม่ทันคิดคือสัญญาประกันสุขภาพจะสิ้นสุดลงพร้อมกันด้วย ในฐานะคนที่เคยวางแผนการเงินและทำประกันหลายครั้ง ฉันขอแนะนำให้ใครก็ตามที่กำลังมองหาความมั่นคงด้านสุขภาพระยะยาว ควรพิจารณาทำประกันตลอดชีพควบคู่กับประกันสุขภาพ เพื่อให้ครอบคลุมยาวนานจนถึงวัยเกษียณหรือสูงวัย ซึ่งตรงกับความต้องการของการดูแลสุขภาพที่จำเป็นในวัย 50 ปีขึ้นไป ซึ่งมักจะมีความเสี่ยงโรคมากขึ้น ลองคิดดูว่าถ้าตอนอายุ 35 ทำประกันแบบสะสมทรัพย์ผสมกับสุขภาพ เมื่อครบ 15 ปี ประกันหลักหมดอายุ และต้องขอทำประกันใหม่ตอนอายุ 50 ซึ่งสุขภาพอาจเริ่มไม่เหมือนเดิม บริษัทประกันก็อาจปฏิเสธหรือจำกัดเงื่อนไข ทำให้เสียสิทธิ์ความคุ้มครองในเวลาที่เราต้องการมากที่สุด นอกจากนี้การเลือกแผนประกันให้เหมาะสมต้องพิจารณาจากเป้าหมายระยะยาว ตัวอย่างเช่น หากเป้าหมายคือมีเงินออมคืนใน 15 ปีอาจเลือกสะสมทรัพย์ แต่ถ้าต้องการความคุ้มครองสุขภาพระยะยาว ควรแยกประกันสุขภาพออกจากประกันสะสมทรัพย์ เพื่อไม่ให้บังเอิญหมดสัญญาพร้อมกันเองโดยไม่รู้ตัว สุดท้าย อย่าลืมหยิบกรมธรรม์ขึ้นมาเช็คเงื่อนไขสัญญาหลัก และสัญญาเพิ่มเติมว่ายังคุ้มครองถึงวัยเกษียณหรือไม่ การมีประกันสุขภาพที่คุ้มครองยาวนานจะช่วยสร้างความมั่นใจ ลดความกังวลในอนาคต และพร้อมรับมือกับสุขภาพที่เปลี่ยนแปลงเมื่อเวลาผ่านไป

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