There are so many bills and overheads in this life, so we just seem to be spending most of our time paying them. We go to work five days a week, sometimes six, with the goal of getting a salary at the end of the month, to pay for the mortgage, the car, the kids’ education, and numerous other things. We all understand the importance of good health, and yet many of us do not make extra provisions, in the event that we experience a major medical emergency. Many of us have the mindset that it won’t happen to me, and so when it does, we can be hit very hard financially and emotionally.
Your health is your wealth.
Most countries have their own health system, but there are always queues to get individual care, and sometimes having to wait six months to a year for an operation, could have a really detrimental effect on your overall health. If you were to take a holiday to Thailand, health insurance would be a definite must have thing, and if you are a resident of Thailand, then this is something that is essential.
The benefits.
The following are just some of the numerous benefits for having private health insurance.
- Medical expenses are covered – We all try to put money away for a rainy day, but when a medical emergency pops up, the money that you have stashed away, is probably not going to be enough. We take out health insurance to make sure that we get the best medical care, without it being able to clear us out of your savings. This essential health insurance helps to cover costs when the medical costs are really high. This allows you to focus on getting better quickly, and not having to worry about whether or not you can afford the care that you need.
- Additional protection – It is likely that you have some kind of medical insurance through a government scheme, but these policies may not suit your individual needs, with regards to your health. In the event that you lose your job, or you change companies, you may be left uninsured for a brief time, and this is probably when you need health insurance the most. Purchasing a private health insurance policy covers you for such an event.
- Straightforward claim process – Many insurance companies allow what is called a ‘cashless claim facility.’ This means that you don’t have to put your hand into your wallet to make any payments, with regards to hospitalisation. Your insurance company and the hospital will come to an arrangement to cover your expenses. Most insurance companies will issue you with a health insurance card that you present to the hospital upon entry.
There are so many private health insurance plans tailored to your individual needs. Based on your personal requirements, you can select the best plan for you or your family, and this way, you don’t miss out on enjoying many of the benefits.