Why to choose The Thaiger?
The Thaiger partners with top insurance providers like Cigna, offering thorough lung disease insurance plans. Discover the benefits of choosing our service below.
Lung Disease in Thailand
The burden of lung disease in Thailand is significant. Four prevalent respiratory diseases contribute to this issue: chronic obstructive pulmonary disease (COPD), asthma, lung cancer, and tuberculosis. Addressing concomitant respiratory diseases remains crucial, based on a 2016 study. These conditions often lead to increased healthcare costs and diminish the quality of life.
Being diagnosed with lung disease is stressful enough, not to mention the financial burden it brings. Fortunately, most critical illness insurance policies cover lung diseases. With critical illness insurance, you will get a lump sum of money if you’re diagnosed with lung disease. The lump sum payment can be used for anything you need, whether it is for treatment or for your living expenses, so you and your loved ones can focus on recovery.
The Benefits of Critical Illness Insurance For Lung Disease
Critical illness insurance offers numerous benefits to you and your family. Below we have compiled some of the main benefits.
Protect You From Financial Ruins
A lump sum payment is given upon diagnosis, which can help cover medical expenses. Traditional health insurance often doesn’t cover all costs, specifically for those facing lung diseases. The financial support offered helps manage high medical bills and allows for taking time off work for treatment and recovery.
Not Your Regular Health Insurance
Critical illness insurance often covers conditions such as heart attack, stroke, cancer, and organ transplants. Thorough coverage is crucial as individuals with lung diseases may face heightened risks for other critical illnesses.
Give Peace of Mind
Lung disease insurance complements critical illness insurance by providing additional protections tailored to lung disorders. Cigna offers personalised, cost-effective plans designed for residents in Thailand. These plans ensure thorough coverage and affordability.
No Restriction
You can use the claim money depending on your terms, unlike health insurance plans. You can use the funds to pursue high-quality services at a prestigious healthcare facility and meet your other needs.
Tax-Free
Another big advantage of purchasing a critical illness policy is that it is tax-free. If you are diagnosed with a serious illness and want to claim the insurance, the money you receive from the policy is tax-free, meaning you can have all of the money without having to give the government a share of it.
What Are the Warning Signs of Lung Disease?
Identifying lung disease early ensures better treatment outcomes and health management. You should watch for the following warning signs.
Customer Ratings
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Customer Reviews
6/1/2021
The Thaiger helped me find a critical illness insurance policy covering lung disease for my father. It was hard with his age, but they helped me find a suitable plan. Thank you!
Raul Rivera
24/12/2020
I just moved to Thailand and it was hard for me to find a critical illness policy covering lung disease. I’m glad I found the Thaiger and use their service! Everything was done professionally.
Isabella Porter
19/12/2020
The team was polite and clearly explain it all in the process. They truly made everything easier for me.
Evan Armando
11/2/2021
Helpful, quick and friendly. The experience was wonderful and the representative I spoke to told me to followed the process all the way through until I got the policy online.
Ava Willis
23/2/2021
This is exactly what I was looking for to meet my current requirements. The application process was simple to follow.
Zoey White
30/1/2021
5 stars services. I love the team, simple, smooth, fast and very professional
Bo Morris
Types of Critical Illness Insurance for Lung Disease
Critical illness insurance offers financial protection against serious illnesses, including lung diseases. Two primary types of policies exist: individual and group policies.
A critical care plan provides financial assistance during a medical emergency. Many insurance providers have a dedicated critical care team to help policyholders get the most from their health plans. Here are some benefits of having a critical care plan:
Key Points:
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- Critical illness benefit – If diagnosed with any specified critical illnesses, the policyholder will receive a lump sum pay-out.
- Disability benefit – If there is permanent disability due to an accident or a specified critical illness, the policyholder will receive disability benefits.
- Low premiums – Critical care plans might have low premiums as they are only available if the insured is diagnosed with the specified critical ailments.
- Accidental death benefit – In the case of accidental death of the policyholder, the nominees will receive the death benefit sum assured.
- Life cover – Critical care insurance plans offer life cover to the policyholder and pay out a lump sum amount to the nominees in case of an unfortunate event.
Critical insurance plans cover serious ailments that standard insurance plans usually do not include. The following are some coverages provided by critical illness insurance:
Key Points:
- Cancer
- By-pass surgery
- Cerebal palsy
- Stroke
- Brain surgery
- Neurosurgery
- Expenses of treatments not covered by traditional health plans
- Transportation expenses
- Cost of amputation surgeries
- Expenses of specified organ transplant surgeries
The Thaiger’s Partners
Don’t let lung disease defeat you.
It’s my top priority to protect my health from critical illness as the medical costs tend to be expensive. That’s why as soon as I relocated to Thailand, I immediately look for the best critical illness insurance covering a wide range of illnessess, including lung diseases. Now I can live stress-free knowing that even though I live in a foreign country, I can always get the treatment I need.
Top tip: Make sure to choose the plan that best fits your needs and budget.
How Can The Thaiger Help You?
The Thaiger’s collaboration with Cigna to offer tailored lung disease insurance plans is a significant step towards providing comprehensive and accessible healthcare solutions. These plans are meticulously designed to cover a wide array of medical expenses, enhance overall well-being, and ensure financial security for those affected by lung diseases. By choosing a lung disease insurance plan from The Thaiger and Cigna, you can rest assured that your health and financial well-being are in capable hands.
Join the many satisfied customers who’ve got their Critical Illness Insurance for Lung Disease with the Thaiger
Other Related Products
There are also many more critical health conditions that are covered under critical illness insurance. Below are some of the most common ones.
Heart attack
When the blood supply to the heart gets blocked, a heart attack happens, and spontaneous cardiac arrest happens when the heart malfunctions and stops beating unexpectedly.
Stroke
A stroke occurs when the blood flow to a part of the brain suddenly changes, often resulting in the loss of the ability to control specific areas of the body.
Cancer
Cancer is the common term for a group of diseases where any of the body’s cells begin to divide uncontrollably and expand into surrounding tissues.
Parkinson’s Disease
Parkinson’s disease is a brain disorder that leads to shaking, stiffness, and difficulty with walking, balance, and coordination.
Types of Lung Diseases and Their Causes
People who suffer from lung disease have trouble breathing. There are many different lung diseases, some of which are caused by bacterial, viral, or fungal infections. Other lung diseases are associated with environmental factors, including asthma, mesothelioma, and lung cancer
Lung Diseases Affecting the Airways
Your windpipe (trachea) branches into bronchi, which divide into smaller tubes running across your lungs. Diseases like asthma, COPD, chronic bronchitis, emphysema, and acute bronchitis impact these airways.
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Asthma: Constant inflammation and spasms in the airways lead to wheezing and shortness of breath. Triggers include allergies, infections, and pollution.
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Chronic Obstructive Pulmonary Disease (COPD): This disease limits airflow, causing breathing difficulties. Smoking mainly causes COPD, which includes chronic bronchitis and emphysema.
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Chronic Bronchitis: It’s marked by a persistent wet cough.
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Emphysema: Damaged alveoli trap air in the lungs. Smoking is the primary cause.
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Acute Bronchitis: A sudden viral infection of the airways.
Lung Diseases Affecting the Air Sacs
Your airways divide into tiny bronchioles leading to alveoli, the clusters of air sacs. Pneumonia, tuberculosis, and lung cancer affect these alveoli.
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Pneumonia: Infection inflames the air sacs, potentially filling them with fluid.
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Tuberculosis: A bacterial infection causing severe damage to lung tissue.
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Lung Cancer: Abnormal cell growth within the alveoli.
Cigna’s insurance plans cover treatments and medication, reducing financial burdens for individuals.
Lung Diseases Affecting the Interstitium
The interstitium is the delicate lining between your alveoli. Tiny blood vessels pass through the interstitium, allowing gas exchange between the alveoli and blood.
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Pulmonary Fibrosis: Scarring of lung tissue makes breathing difficult.
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Sarcoidosis: Inflammatory cells grow in the interstitium, affecting lung function.
Cigna’s thorough plans include coverage for such conditions, ensuring thorough healthcare management.
Lung Diseases Affecting Blood Vessels
The right side of your heart sends low-oxygen blood to your lungs through the pulmonary arteries. Conditions affecting these vessels include:
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Pulmonary Hypertension: High blood pressure in the arteries of your lungs.
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Pulmonary Embolism: A blood clot blocks one of the pulmonary arteries.
Cigna’s lung disease insurance can provide financial security for treatments and medications required for these diseases.
Lung Diseases Affecting the Pleura
The pleura is the thin lining surrounding your lungs and lining the inside of your chest wall. A tiny fluid layer lets the pleura slide with each breath. Diseases affecting the pleura include:
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Pleurisy: Inflammation of the pleura causes sharp chest pain.
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Pleural Effusion: Excess fluid builds up between the layers of the pleura.
Cigna offers plans that cover diagnostics and treatments for pleural disorders, catering to your specific needs.
Lung Diseases Affecting the Chest Wall
Breathing involves the strong chest wall, with muscles connecting your ribs, allowing your chest to expand. The diaphragm’s descent with each breath causes chest expansion. Disorders affecting the chest wall include:
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Neuromuscular Diseases: Weaken respiratory muscles, impacting lung function.
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Chest Wall Deformities: Structural abnormalities affecting breathing.
Effective lung disease insurance plans from Cigna can mitigate medical expenses and provide peace of mind.
Heart Attack
A heart attack, also known as a myocardial infarction, occurs when a coronary artery is suddenly blocked. This restricts blood supply, preventing oxygen-rich blood from reaching the heart. When the heart is deprived of blood, the heart muscle will suffer severe and life-threatening damage
The existence of a blood clot in a coronary artery causes a heart attack. As the body’s cholesterol levels are so high, plaque (fatty deposits) forms on the inside walls of blood vessels
Pressure, tightness, pain, or a squeezing or aching feeling in your chest or arms that can spread are common signs and symptoms of a heart attack. Nausea, indigestion, heartburn, stomach pain, a feeling like being out of breath, Sweaty palms and Fatigue and uncontrollable dizziness are also the symptoms of a heart attack
Having a heart attack is a scary experience, but you can prepare yourself for it with critical illness insurance. No one can prevent a heart attack, but you can always prepare for the financial consequences. Treatment for a heart attack can cost a lot, but critical illness insurance can cover you for it.
Frequently Asked Questions About Lung Disease
The most serious lung diseases include chronic obstructive pulmonary disease (COPD), asthma, lung cancer, and pulmonary fibrosis. These conditions significantly impact breathing and overall health. Cigna’s lung disease insurance plans provide coverage for these and other lung conditions, including medication, treatments, and regular check-ups.
- Bumrungrad International Hospital
- Bangkok Hospital Phuket
- Samitivej Hospital Bangkok
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Khon Kaen University Hospital
A doctor who specializes in lung conditions is called a pulmonologist. Pulmonologists diagnose and indulge respiratory disorders like asthma, COPD, and lung cancer. Under Cigna’s lung disease insurance, consultations with pulmonologists are covered, ensuring access to specialized care when needed.
Yes, foreigners can buy health insurance in Thailand. You need a valid work permit and visa for at least a year. Cigna offers thorough health insurance plans for expatriates, including coverage for critical illnesses and lung diseases. This ensures financial support during treatments and hospitalisations.
Inquire Now to Receive your Critical Illness Insurance for Lung Disease Quotes