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Why pay for health insurance? If life insurance can pay for our health insurance?

# wealthy thtailormade # Ktaxa

# Life insurance online # Health insurance

# Financial planning

6/4 Edited to

จากประสบการณ์ตรง ผมได้เลือกใช้แผนประกันชีวิต ‘MED FUND’ ซึ่งเป็นประกันชีวิตแบบ 12P ที่ไม่เพียงให้ความคุ้มครองชีวิตแต่ยังมาพร้อมกับความคุ้มครองสุขภาพ ทำให้ผมมั่นใจได้ว่าค่าใช้จ่ายด้านสุขภาพจะได้รับการดูแลอย่างเต็มที่โดยไม่ต้องจ่ายเบี้ยประกันสุขภาพแยกต่างหาก แผนนี้เหมาะสำหรับคนที่ต้องการความคุ้มครองครบวงจร เพราะนอกจากจะจ่ายเบี้ยประกันสั้นเพียง 12 ปีแล้ว ยังได้รับเงินคืนตั้งแต่ปีที่ 2 และเงินปันผลที่ช่วยสร้างรายได้เสริม นอกจากนี้ยังมีประกันสุขภาพเหมาจ่ายฟรีถึงอายุ 99 ปีด้วย ทำให้เราได้รับความคุ้มครองสุขภาพสูงสุดถึง 15 ล้านบาทตลอดสัญญา ส่วนที่ประทับใจที่สุดคือสามารถลดหย่อนภาษีได้ตามเกณฑ์ของกรมสรรพากร โดยส่วนตัวแล้ว ผมถือว่าเป็นการวางแผนการเงินที่ชาญฉลาดเพราะช่วยลดภาระค่าใช้จ่ายและเพิ่มความมั่นคงทางการเงินในระยะยาว จากประสบการณ์นี้ จ่ายค่าประกันสุขภาพเองอาจไม่จำเป็นถ้าเลือกประกันชีวิตที่มีแผนคุ้มครองสุขภาพควบคู่ไปด้วยอย่างเหมาะสม ทั้งยังเป็นการลงทุนที่คุ้มค่าและสร้างความสบายใจในการใช้ชีวิตในอนาคต

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