2023 Update! Where should we buy cancer insurance?

If you want to live life to the fullest, you need to prevent all risks. Cancer is top 1 deadliest disease in Thailand. From the latest information, around 67,000 Thai patients passed away from cancers or around 8 patients per hour; moreover, there are around 120,000 new patients per year. Regardless of gender and age, we all can have cancer. The disease is due to many factors such as genetic contribution, environment, behaviors and lifestyles. Most importantly, treatment expenses are extremely high.

Regarding key factors of cancers, over 90% is from behaviors and lifestyles such as having grilled meat, undercooked meat, fried foods, high-fat foods or processed foods as well as smoking cigarettes, drinking alcohol, having stress and immunodeficiency.

Thus, cancer insurance is a good choice. Many of you might have questions such as Where should we buy cancer insurance? Can cancer patients have insurance? Can we buy cancer insurance online? And, Is cancer insurance premium eligible for tax deduction? Let’s see the details.

• How to Buy the Right Cancer Insurance?
• 2023 Update – Good Cancer Insurance Products
• Can Cancer Patients Have Insurance?
• Should We Have Cancer Insurance?

How to Buy the Right Cancer Insurance?

New buyers might have many questions of how to buy cancer insurance. Can we buy cancer insurance online? Let’s see how to buy cancer insurance.

Choose proper coverage limit amount and coverage for all stages of cancer

You should choose insurance plan with proper coverage limit amount because cancer treatment expenses are extremely high. The coverage limit amount should be around 1 – 3 million Baht. Importantly, the coverage must be for all stages of cancer.

Affordable premium

Most cancer insurance has high coverage limit amount, but premium is not necessarily to be high. Thus, you should find insurance plan with cheap premium that you can pay monthly or via credit card. The insurance must have coverage that matches your needs and income.

 Long coverage

Cancers and other diseases are unpredictable. Therefore, you should have insurance that provides long coverage until 99 years old.

Treatment coverage

Since cancer has many examinations as well as treatments such as surgeries, radiotherapy, chemotherapy or combination therapies, you should choose insurance that covers all treatments.

2023 Update – Good Cancer Insurance Products

At this point, many of you might want to know where to by cancer insurance in 2023. Cancer insurance purchase is important and you should make understanding before purchasing. Besides choosing credible and renowned insurance company, you should have understanding about details and conditions of insurance policies thoroughly. And you must have flexible options.
Before buying insurance, you must gather information that meets your needs and details of coverage that you already have, so that you will not have overlapped coverage. Employees normally have group insurance provided by employers that covers health and accident as well as IPD and OPD. So, you can buy insurance for top-up.

Buying cancer insurance from Muang Thai Life Assurance is a good choice because you can choose a right coverage and affordable premium. Moreover, you can check information and buy insurance online. Please click for more information.

Can Cancer Patients Have Insurance?

Health insurance is one of options to protect our savings instead of paying medical bills, especially cancer that has high expenses. Thus, cancer insurance is a must because cancer insurance and critical illness insurance will let us live life to the fullest without worrying about treatment expenses.

However, if we have cancer before having insurance, we will be unable to buy cancer or health insurance because cancer leads to other diseases. Therefore, insurance companies cannot approve health insurance for cancer patients. We all should buy health insurance before getting sick as to receive coverage comprehensively. Furthermore, cancer insurance premium is eligible for tax deduction.

Should We Have Cancer Insurance?

At present, you need to be aware of cancer insurance because cancer is a deadliest disease with high treatment expenses and cancer can start anywhere in body. There are many causes of cancer such as genetic contribution or risky behaviors. So, number of patients is rising.

Common cancers in men are liver cancer, Cholangiocarcinoma, lung cancer, colon cancer, prostate cancer and Lymphoma. Common cancers in women are beast cancer, cervical cancer, liver cancer, Cholangiocarcinoma, lung cancer and colon cancer.

Cancer insurance is developed to provide coverage and ease burden of expenses as follows.

●    Reduce burden of medical bills.
●    Choose treatment as you wish.
●    Have sum insured as reserve for family members.
●    Receive privileges as specified in insurance policies.

To live life to the fullest, you must not be careless about critical illnesses, especially cancer. Yes, you are healthy and strong today, but nothing can ensure you that you will not have critical illnesses in the future. The best way is you have to protect yourself by maintaining your health and exercising. Where should we buy cancer insurance? Care Plus Coverage from Muang Thai Life Assurance is an answer; the insurance provides coverage of 5 million Baht per year that covers treatment expenses of all stages of cancer including advanced treatments such as targeted therapy, immunotherapy, stem cell transplant, IPD and OPD. Premium is less than 8 Baht* per day.

✔️Cover treatment expenses of all stages of cancer and renal failure including IPD and OPD of up to 5 million Baht per year*
✔️Able to choose either cancer or chronic renal failure coverage. Special! If you choose coverage for both illnesses, get 10% premium discount.
✔️Cover advanced treatment for cancer and chronic renal failure such as targeted therapy, immunotherapy, stem cell transplantation, hemodiafiltration and kidney transplantation, etc.
✔️Additional coverage for expenses of mental health consultant, room, drug, treatment since the beginning
✔️No worry! Cover recurrence; application entry age is from 30 days old – 80 years old and coverage is provided until the age of 99.

Purchase today for premium payment installment of 0% interest for up to 6 months, or credit cash back of up to 13%.

Additional details
☑️ Tel. 1766, available 24 hours
☑️ Contact life insurance agents or Kasikornbank branches

*For 35-year-old healthy male insured who chooses cancer and chronic renal failure
coverage with coverage plan of 5 million Baht and annual premium payment mode

●    For medical service fee for treatment of cancer and/or chronic renal failure, coverage payment for the treatment is as specified by the Company.
●    Coverage period of the rider must not exceed coverage period of life insurance policy that this rider is attached to.
●    Premium is eligible for tax deduction according to the Revenue Department.
●    Underwriting is subject to the Company’s rules.
●    Conditions are as specified by Muang Thai Life Assurance PCL and the bank.
●    Conditions are according to medical standard and necessity.
●    Please study details of coverage, conditions and exclusions before making a decision to apply for insurance.

Sources: Searched on 24/07/2023

🔖 Phyathai Hospital