How Much Should I Spend on Health Insurance?

Nowadays, people value work more than health and think that health is something that shouldn’t be a concern and that health insurance is not necessary. But if they get sick, the medical expenses, especially in private hospitals can be pretty high, they might have to spend their savings on it. That is when health insurance comes in handy. For those who are interested in getting one but don’t know where to start, let us guide you with this article.

Why Do We Need Health Insurance?

Health insurance is a type of insurance coverage that pays for medical expenses. It is designed to protect you from the financial burden of high healthcare costs and it also provides faster and most effective medical services.

How Much Should Health Insurance Be?

1. Check your welfare.

Generally, there are personal medical benefits that may come from a work company or personal rights basis. Whether it is group insurance, social security, gold card and health insurance that is still affected.

2. Look through the coverage you need.

It is important to get health insurance that not only covers medical expenses but also covers outpatient (OPD) and inpatient (IPD) expenses and also other service fees such as ambulance costs, room fees, surgical expenses, etc.

3. Find the difference between the existing coverage and desired coverage.

When you know the coverage of your existing plan, it will make you aware of additional coverage that still missing from that plan - making it easier for you to roughly calculate how much additional coverage you need in order to cover your needs.

4. Reasonable Premiums.

Most health insurance premiums are usually based on age and the risks of getting sick of each group age. To be able to pay comfortably in a long run, Premium should be no more than 10% of the total annual income.

Health Insurance from dSurance.

For those who are interested to purchase health insurance but do not know where to start. Introducing health insurance from dSurance that can be purchased at any age.

The highlights of health insurance include:

• You can choose the coverage according to your needs. Coverage up to 10 million Baht whether it is an annual coverage or for each time.
• Coverage for the VIP room fees up to 15,000 Baht per day.
• You can choose the plan as you want with OPD coverage or income compensation.
• No worries about renewal. The insurance coverage will continue until the age of 80.
• Variety of coverage whether it’s an illness or injuries.
• No advanced payment is required when receiving treatment at affiliated hospitals

Health insurance provides financial protection against unexpected medical expenses. It allows you to access necessary healthcare services without incurring over-the-top costs. However, health insurance can be varied in terms of coverage, price and regulations. Please carefully review and compare different insurance plans to choose a plan that best suits your needs and budget.

Choose insurance from dSurance, we provide the best price, the best coverage and come with a lot of promotions.