In conclusion, you can understand things you should know before buying health insurance:
- Time to actually go to the hospital Which hospital will you go to? See the room rates that are suitable and that are actually used.
- Health insurance is a disposable premium every year like car insurance. but different Car insurance if you claim a lot The company can be changed in the following years. but health insurance Severe disease, many claims, unable to change the company. Therefore, when deciding to choose, you have to look at our practical applications.
- Explore how much welfare we already have And is it enough? If it’s not enough, buy long-term health insurance coverage. that can be paid until age 85 or 90
- Payment of health insurance premiums Premiums will increase with age. As the risk of ageing increases, the risk of developing the disease increases as well.
- Because the premium has increased us. Therefore, have to consider the money that will be used to pay health insurance premiums in retirement. It may be set up as a Medical Fund or Long Term Care Fund so that you do not have to worry in the future that you will find income to pay for higher health insurance premiums after retirement But prepare money from a young age who can still work and earn money
- Health insurance can be used as a tax deduction of 25000 per year and is also considered an important saving protection tool. because many people said that make money all your life In the end, he had to use that money to heal him when he was old.
- Currently, there are many health insurance plans to choose from. We can compare the information before making a purchase. Choose the one that suits you. If you rarely find a doctor who was taken as an inpatient-only Insurance premiums will also be a bit cheaper. But if you like to find a doctor then choosing the one that is supported by outpatients will feel worthwhile On the way if sick can go to the doctor to reimburse the treatment as an outpatient was able to use the credit line during the year without feeling wasted
- Take into account the critical waiting time in starting your first health insurance. Every company has the same conditions. is to cover accidents immediately after the policy is approved But the coverage for medical expenses due to illness has to wait 30 days from the contract start date. There are 8 diseases that will have a waiting period of 120 days, including tumours, cysts, all types of cancer, haemorrhoids, hernias, pterygium, cataracts, tonsillectomy, gallstones, varicose veins, endometrial hyperplasia. This is a condition that should be known before deciding to get health insurance.
- Take into account the conditions that we must declare before taking out health insurance. because if concealing the essence May cause the policy to be cancelled, the contract is voidable in the future Therefore, we should declare every material matter in the application form. It should not be concealed because health insurance contracts are year-to-year contracts. If the company detects a medical history for certain pre-insured diseases which we did not declare in the application form It may cause the company to void the contract and it will be detrimental to us in the future.
Think about how important and necessary it is when you really need it. that what we have is enough or not If our child is sick What is the first thing that comes to our mind: the best hospital or the cheapest hospital? You will be the one who chooses the insurance on the day you are healthy. But if any disease has already arisen, you may not be able to get insurance for the rest of your life. Therefore, do so as soon as you are in good health. It is like a hedging tool. Protect yourself and your family’s savings for future stability.
It’s time to explore yourself. On a healthy day, because many people fall into the trap of company welfare. forgetting to take into account that If we retire and no longer have medical benefits from the company that means We will have to prepare ourselves for uncontrollable medical expenses per year. Many people forget to look at this point and think about buying health insurance in retirement. But back to chronic diseases such as kidney disease, heart disease, cancer. They must prepare a sum of money to maintain themselves. When the company benefits are exhausted If you can prepare in advance Should buy health insurance from a young age. to cover and protect Buy as needed and appropriately with the ability to pay premiums that are not excessive. Health insurance planning is essential to managing life risks for all genders, ages and professions.
