Which Kind of Health Insurance should You Go For It

Nowadays, diseases are more diverse which makes living more difficult and there are more chances for people to get sick easily. And when you get sick, you will have to spend your savings on medical expenses. Wouldn’t it be better to have health insurance as a backup plan to help with additional expenses and make your life easier. There are a lot of health insurance to choose from. We will guide you to choose the one that suits you the most.

What is Health Insurance

Health insurance is a form of insurance that will cover medical expenses whether it is an illness or an injury from accidents. Health insurance can be divided into 2 types: single health insurance and group health insurance.

The Advantages of Having Health Insurance

When it comes to health, nothing is certain. Having health insurance can help with the expenses of hospitalization which means an insured does not have to use any personal savings. Health insurance also covers injuries from accidents and serious diseases which can be a good solution to cover all the blind spots that you might miss.

What does Health Insurance Cover?

Medical expenses coverage can be divided into 3 groups which are

1. The coverage for in-patients such as medical expenses, room and food, doctor’s fees, ambulance and other service fees.

2. The coverage for out-patients this will cover minor injuries or illnesses that can be treated in a short period and without any special medical tools such as headache, flu, a minor eye infection or an upset stomach.

3. The other coverage maternity, special nursing care, dental treatment or a serious injury or illness.

Which Health Insurance to Choose.

As we all know, there are quite a variety of health insurance . To choose the most suitable one, the coverage and cost of health insurance have to be considered.

1. Choose From the Coverage

• In-patient Health insurance (IPD)

  In this case, a patient has to be admitted to a hospital or a medical facility for over 6 hours. This insurance will cover many aspects such as doctor fees, operating room fees, general medical expenses and X-ray costs. This type of health insurance is suitable for those who are concerned about high medical expenses or for diseases that require a long recovery time.

• Out-patient Health Insurance (OPD)

  This health insurance will cover all medical expenses that are not long-term. Most of them are mild illnesses or injuries, not severe. Medical expenses that will be covered are medication costs, doctor fees, medical service fees, vaccination, etc.

• Health Insurance for Serious Diseases

  It will cover serious diseases such as cancer and tumors, brain and nervous system, cardiovascular diseases. The treatment of all these diseases is quite specialized and complicated, also takes a long time to heal and the cost of the treatment is pretty high. This insurance will cover and provide compensation when the disease is detected.

• Accident Insurance (PA)

  Accident Insurance covers damage from an accident whether it is minor or major injuries and also in case loss of death or permanent disability. Most people get accident insurance as an additional option to cover all the possibilities.

• Income Protection Insurance

  This insurance will cover during illness that requires hospitalization. It will compensate the daily compensation when an insured is absent from work causing to lose the income.

2. Choose from Sum Insured

No matter what type of health insurance you are going for, you should consider the sum insured that the company will pay and also the coverage that matches your needs and lifestyle.

3. Choose from Health Insurance Premium

The cost of insurance is one of the main factors in choosing insurance. For example, if you’re purchasing health insurance at a young age and you are healthy, the premium will definitely be affordable with full coverage. However, the coverage should be appropriated with the premium.

Health Insurance from dSurance

There is no doubt that most people would like to have health insurance with coverage that meets their needs the most. DIY health insurance from dSurance is the most suitable for you. DIY health insurance allows you to choose the best coverage that matches your lifestyle and needs and it is easy to apply in just 3 steps.

1. Choose primary coverage which will cover medical expenses up to 10 million Baht per disease.

2. Choose secondary coverage which will have 2 parts to choose from.
- Out-patient: coverage up to 30 days per year in case of minor illnesses and injuries.
- Out-patient and health care: coverage up to 30 days per year and health care coverage including vaccination, annual health check-ups, dental care and eye check-ups.

3. Choose deductible method to reduce insurance premium up to 85%

Each health insurance has its own unique strength. To get a suitable health insurance plan that fits you, you should decide based on your needs, lifestyle, the coverage and your budget. And also don’t forget to compare various health insurance plans before purchasing.

Promotion for DIY Health Insurance

Get 10% off when purchasing health insurance from dSurance with the code ‘Healthy’ or an installment plan with 0% interest rate up to 10 months according to the minimum payment terms and conditions. And a minimum premium of 5,000 Baht for SCB, KBANK, BBL and UOB credit cards.

From 1st of April to 31st of May 2023 ONLY.

Don’t waste your savings on overpriced medical expenses and let health insurance take care of that for you.