Tricks on How to Choose the Health Insurance that Suits You the Best.

Nowadays, there are a variety of insurance plans from a lot of insurance companies. Of course, when it comes to getting insurance, they come with a huge variety of information to search for. Each plan has its strength and point of sale to attract its own audience. Therefore, it is necessary to have criteria for consideration when choosing insurance that suits your needs the most.

How to Choose the Suitable Health Insurance for You.

1. Reasonable Premiums and Coverage

You have to consider that the premiums have to be appropriate with your income in order to get the most-effective coverage both in terms of medical expenses and all costs while recovering in the hospital as well.

2. Evaluate Your Personal Health Risks

It can start from checking for genetic diseases from family lines and also your lifestyle behaviors that might be the cause of developing serious diseases such as drinking alcohol, smoking, etc.

3. Bill-by-Bill Rate or Flat Rate Cost

The insurance buyers can choose according to their needs. The bill-by-bill rate will limit the amount of coverage for each category of medical expenses such as one bill for medicine, one bill for service fees. And the flat rate cost will include room fees, medicines or medical expenses all in a single amount. People who get insurance are most likely to go with the flat rate cost more.

4. Choose Health Insurance Deductible.

A health insurance deductible is the amount of money that an insured person must pay every year for healthcare services before the insurance plan begins to cover the costs. The amount of the deductible varies depending on the health insurance plan. For example, you pay a health insurance deductible totaling 30,000 Baht and there are medical expenses of 30,000 Baht - that means your health insurance deductible will cover it. But if the medical expenses cost 70,000 Baht, meaning you have to pay only 30,000 Baht and the insurance company will pay the remaining 40,000 Baht. It is an advantage because the insurance premiums of this health insurance are cheaper than general health insurance. It is good for people who already have health insurance with low coverage and people who want coverage within a limited budget. This form of insurance is also suitable for children who tend to get sick often.

5. Hospitals

We recommend choosing health insurance that has hospital partnerships in various areas. Because when an emergency occurs, you can get to the hospital the fastest and get immediate treatment.

6. Reliable Insurance Company

Choose to buy with an insurance company that is professional, reputable and reliable like dSurance. It will make purchasing health insurance online easier and more convenient.

DIY Health Insurance from dSurance.

dSurance would like to introduce you to a new type of health insurance that can easily be chosen to match your lifestyle under the concept ‘Choose and pay only what you need’. The good thing about DIY health insurance from dSurance is that you can choose coverage and premiums exactly as you like.

Get premium coverage benefits at a comfortable price with DIY health insurance from dSurance. It provides medical expenses up to 10 million Baht* per disease - cancer(both in-patient and out-patient) is also included and a room rate up to 12,000 Baht per night.* In case of death, loss of organs or disability from an accident, the insured person will receive compensation up to 120,000 Baht* and expenses for special care by nurses up to 30 days per year.* Besides that, there is also daily compensation up to 3,500 Baht per day and up to 31 days per year. More importantly, you can choose it as a health insurance deductible which can reduce insurance premiums and it can be renewed until the age of 99. Besides that, you can also add additional coverage to it to cover out-patient expenses over 3,000 Baht per one visit or cover basic health care (which includes getting vaccines, annual health checks, vision care and dental care) up to 3,000 baht per year. All of the above that we have mentioned, the premiums starts at 1,307 Baht per month only (calculated on Plan 1 health insurance of a 20 years old insured person). Plus, it can be used for a tax deduction.

Promotion!! Get a 15% discount with no minimum payment when you purchase DIY health insurance that everyone can allocate their coverage as they wish from dSurance today by collecting the discount via the DTAC app (everyone can apply, doesn’t limit only DTAC customers)

To this point, all of those that we mentioned, are tricks for choosing worthwhile health insurance that matches your needs. It can be used to compare insurance plans from every insurance company which will make it easier for you to make a decision to choose. Getting health insurance when you are still healthy in order to get the best coverage. And lastly, it can be used for an annual tax deduction as well. Get health insurance, so we can live a life without worry.