Should I buy health insurance? Which plan best meets my needs?

Which health insurance plan to buy? Whether you are a business owner, a salaried employee or a first jobber, you need to find the right health insurance plan that suits your lifestyle the best. 
For example, a business owner; if you become sick, your business may be disrupted. The health insurance covering modern treatments might be the right one for you as it could help you a lot in recovering. For new graduates with existing welfare benefits from the company, If you want to upgrade the coverage but are still worried about paying premiums, you can buy a health insurance plan with comprehensive coverage in low premiums. Today, let’s find out the health insurance plans that Muang Thai Life has for you. 

Health coverage D Health Plus)

Health coverage from Elite Health Plus

Health coverage from D Health Plus

Suitable for…

New graduates or first jobbers that most of them already receive existing welfare benefits from the company but are still looking for more health insurance and don't know which one to buy because sometimes the coverage amount does not cover the medical expenses, requiring your own savings to pay that amount. Some people may think that they are still young and will not get sick soon; office syndrome sounds like the most possible disease, so they need a health insurance plan with inexpensive premiums in lump sum benefit. D Health Plus is the right product for you. It is important to buy health insurance at a young age when your body is still strong as the premiums are not expensive.

Coverage

D Health Plus covers medical expenses as charged of 1-5 million Baht per treatment and covers hospitalization for both common disease and critical illnesses. D Health Plus covers hospitalization in a standard single room at any hospital, covers OPD continuous rehabilitation treatment, ICU room fee, doctor's fee, medicine fee, examination fee and surgery fee as charged. Select additional coverage as needed.

Highlights of D Health Plus

D Health Plus provides you with convertible option and deductibles, for example:

For working people, if you already have existing benefits from the company but you are afraid that it may not be enough and you want buy a health insurance plan to upgrade the coverage with inexpensive premiums, you can consider buying D Health Plus with deductibles with lower insurance premiums. For example, your existing welfare benefit is 30,000 Baht; one you get D Health Plus with Plan 5 Million Baht with deductibles of 30,000 Baht, you can use the welfare benefit first to pay for the medical expenses. When the expenses exceed 30,000 Baht, the insurance plan you purchased shall cover the excess from 30,000 Baht. When you reach retirement age when you cannot work anymore and have no welfare benefits, you can use the convertible option to remove the deductibles feature, without new health checkup results required.

Elite Health Plus

Suitable for…

For a business owner who likes to work hard but also wants to balance things, you may need a plan when sick as you don’t want your business to be disrupted. Choose the insurance that covers modern treatment technologies to allow you to recover as soon as possible. Having health insurance that covers exactly what you need can make life easier.

Coverage

Elite Health Plus meets your needs as it covers critical illnesses, cancer, heart, kidney, common diseases and accidents. It provides you with access to modern treatment technology, including targeted therapy, CT scan, MRI and dialysis without hospitalization. Elite Health Plus can cover the medical expenses up to 20 -100 million Baht per year, for both IPD and OPD (1); hospitalization in a standard single room at any hospital or a room costing from 10,000 - 25,000 Baht. Entry age is until 90 years, and coverage period is until the age of 99 years.

Highlights of Elite Health Plus

Nowadays, all genders and all ages are at risk for common diseases and critical illness. More importantly, we don't know what will happen in the future as these diseases can occur from many factors. When we get sick, we want to receive as quickly as possible, so it is important to plan in advance. Another highlight of Elite Health Plus is access to modern treatment

• Chemotherapy or “chemo” is a treatment with a group of chemicals that have the effect of inhibiting and destroying cells that are growing or dividing abnormally rapidly. Chemotherapy drugs work to inhibit the division of cancer cells in many forms; this causes the cells to be unable to divide further and eventually die.
• Targeted Therapy is a method of treating cancer that acts specifically on cancer cells by giving drugs or substances to inhibit the cellular signaling process which causes the growth and division of cancer cells. This is a precise and targeted treatment with few side effects.
• Immunotherapy is a treatment using drugs or stimulating methods to increase the efficiency of the immune system. It can see cancer cells as foreign objects in the body and can control, eliminate or destroy cancer cells more efficiently.

Of course, for deciding to buy a health insurance plan to meet your needs, you need to study carefully and take into account the lifestyle, job, duties, responsibilities and even your income. After studying everything, it’s time to get yourself the coverage.

Start planning your health now. It is important to get health insurance before getting sick as it can help pay medical expenses when sick. Boost your confidence with health insurance that gives you peace of mind when sick.

- Elite Health Plus covers medical expenses of 20-100 million Baht per year for treatment technologies for both IPD and OPD (1) with premiums less than 157 Baht per day (2).

- D Health Plus covers medical expenses of 5 million Baht (3) for hospitalization in a standard single room at any hospital with premiums less than 65 Baht (4) per day.

For more information:

☑️Call Tel. 1766, available 24/7.

☑️Contact life insurance agent, Muang Thai Life Assurance customer service centers nationwide, Kasikornbank and Land and Houses Bank branches.

(1) In case of choosing Plan 40 Million Baht, 75 Million Baht or 100 Million Baht

(2) For the insured aged 50 years with Plan 20 Million Baht with coverage area in Thailand in annual premium payment mode

(3) In case of choosing Plan 5 Million Baht which is a benefit per any treatment

(4) For the female insured aged 35 years with Plan 5 Million Baht in annual premium payment mode

• Coverage conditions are as specified in the insurance policy.
• Coverage conditions are as specified in the insurance policy.
• Coverage period of the rider must not exceed the coverage period of the life insurance policy that this rider is attached to.
• Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
• Conditions are as specified by Muang Thai Life Assurance PCL.
• Underwriting is subject to the Company’s rules.
• Please study details of coverage, conditions, and risks before making a decision to purchase insurance.

Source: data retrieved on 18/04/67

🔖Muang Thai Life Assurance