No one plans to get sick or hurt, but bad things can happen, even when you are young and healthy, this is where health insurance can help you out. A health insurance policy is a legal agreement between an insurance provider and the policyholder (you). Typically, the contract term is limited, and you must make payments (known as premiums) to keep your coverage active. This contract will also give different details and conditions for each policy, which will mean that the insurance company is liable for your medical care costs and many more depending on your policy.
A simple way to describe health insurance is that it protects you from paying the full cost of medical services when you’re injured or ill. Without health insurance, one incident could wipe out your entire life-saving. Some of the coverages of health insurance are hospital admissions, loss of life, ICU costs, surgery costs, and many more. Ultimately, health insurance will give you the needed sense of security, letting you live your life to the fullest without any worry.
There are many different options and many ways to choose to pay for your health insurance. Here is a list of what you can do at your own convenience.
You can pay your health insurance quickly, securely and without any hassle using your credit and debit cards.
Banking has never been this easy, you can now pay for your health insurance in full at your home.
The most common type of payment method is cash, get your premium simple, fast and efficient.
Cheques is a paper document that gives permission to your bank to pay a specific amount of money to a specific person.
Organize your cash flow by dividing the full payment into several intervals at a certain due date.
Health insurance sounds scary but personally, I think it’s something that you should consider and learn the importance of health insurance as you’ll never know when you’ll be needing it. Thank you for making this process very easy and simple.
You must ask the insurer whether the insurance starts on the requested date (after you pay), or whether there is a waiting period, even after you paid already, sometimes there is a waiting period, but in most cases accidents may already be covered from the moment you paid for your health insurance.
I must admit that my health is not in top conditions and I have been meaning to change my insurance for a very long time, the problem is that I just never know what my options are and what package I should get. So with a not-so-successful past experience, I have left it for the thethaiger to sort out.
All the information is there, now is a matter of what product to choose, from what I understand there are a few products we can choose from with different levels coverages.
So tired of Thailand being so unclear about their products and what the benefits are, not just that but everything is also done offline, I don’t know what the thaiger is doing right now but if I can apply for my health insurance online this will be a game-changer. I have already inquired with the Thaiger and now waiting for a reply, if this works I will always be using your services.
thank you the thaiger for helping me understand the basics of health insurance in Thailand, I am always warry of my health and try to find the best haelth insurance in the area, i have already inquired with the website and asked for their team to get back to me as soon as possible.
There are numerous types of health insurance policies available to meet your requirements. It’s essential to make sure that you choose the right type of health insurance to get the most benefit.
Below are the different types of health insurance available in Thailand.
Family Health Insurance ensures that you and your family members have the chance to get the services and medical care you deserve. This will give you peace of mind and stay worry-free, as the insurance will also cover your loved ones
International health insurance is not the same as Travel Insurance. International health insurance is meant to provide people relocating from their home country with a comprehensive health coverage standard for a prolonged period of time. On the other hand, travel insurance provides cover for emergency services while you are in another country for a shorter period of time.
After all the years of working hard, you definitely deserve the best out of what you worked for, especially during your retirement age. With health insurance for retirees, you don’t need to worry about your medical bills and maintenance medicines or worry about your health even if you’re living alone. Your health insurance got your back.
We can never know what is going to happen today or tomorrow, so its best that we are prepared, especially when it comes to the health of our loved ones. Getting health insurance is one of the best decisions I made. Thankfully, I haven’t had the reason to use it, but I know that I can always get the care I need when I need it.
Top tip: Identify what you need to get the best plan and health insurance for you and your loved ones.
As much as we try to avoid it, accidents can happen anywhere. No one can prevent illness or injury, but you can always prepare yourself for the financial aspects. Therefore, we ensure that our health insurance plans cover everything you need at an affordable price.
The Thaiger have complied and compared the best options, so you can save time and get instant coverage. We are here to be there for you when you need us the most.
Although health insurance offers comprehensive coverage and generous support for our health, you may want to check out the following insurances for a higher quality of life.
Get covered with Personal Accident (PA) insurance to ensures coverage during emergency cases like uncertain accidents, impairments, life-changing conditions or even death.
Unfortunately, health insurance can’t cover every aspect related to your health. Every insurance plan has its limitations, so it’s best to carefully go through all the exclusions before purchasing any health insurance.
The exclusions can be different depending on the specific policy you want to purchase. However, health insurance plans generally don’t cover the following things:
Treatments for alcohol and substance abuse are common exclusions in health insurance. Your insurance might not cover you if you get hurt under the influence of alcohol as well.
Insurance companies will not cover you if you take part in crime or war. In addition, some insurance companies won’t cover your treatment if you get hurt due to a natural or man-made disaster.
In most cases, pre-existing conditions are not covered by health insurance policies. Any disease that you already have prior to purchasing the insurance policy is considered a pre-existing condition. These can include kidney stones and arthritis. However, health insurance policies will usually cover any new conditions in full.
Some insurance companies may limit your coverage of chronic diseases. You may have to purchase additional critical illness insurance if you want chronic diseases, such as stroke and heart attack, to be covered.
Sexually transmitted diseases (STDs) are usually not covered by health insurance policies. In some cases, your insurance company may offer limited coverage for HIV treatment.
Some health insurance plans don’t cover any injury caused by motorcycle accidents. If you plan to ride a motorcycle, it’s best that you purchase a personal accident insurance policy.
Health insurance policies usually exclude professional or organised sports. Recreational activities like a game of football with friends may be covered, but as soon as you play it professionally or the sport becomes organised, exclusions may apply. Dangerous activities, such as paragliding, are usually not covered as well. Therefore, if you’re planning to participate in any sport or high-risk activities, be sure to check your health insurance exclusions carefully.
Health insurance can help protect you from unexpected accidents. However, it only covers your own medical expenses. If you have a business with one or more employees, group health insurance may be more beneficial for you. Group health insurance helps you and your employees pay for medical expenses should an unforeseen situation occur. It is usually more cost-effective than individual health insurance.
The amount of service covered vary by plan, but in general, it will help you and your employee pay for various medical treatments, including regular doctor checkups, treatments for accidents, and care for long-term illnesses.
There are many options for you to get affordable health insurance, either you can research about it to see what insurance plan suits your need the most or you can get financial assistance depending on your income/budget or a short-term plan.
You can cancel health insurance any time but you can’t buy a new plan at any time. For instance, you don’t like your current insurance and you’d like to switch to a different insurer: You’d have to wait for the end of your policy.
According to the current law in Thailand, you can add or keep your children under your health insurance plan until they turn 26 years old. They can still be on the plan even if they are not living with their parents or if they’re married.
For expats who are trying to get health insurance, maternity health insurance, family health insurance, and international health insurance are the most common ones.
Expat insurance is an international health insurance package intended for expatriates and other people living or working abroad, also known as Global Media Insurance. Expat health insurance policies cover both within and outside the home country of the individual.
Expat insurance provides critical medical facilities, including, though not limited to, preventive treatment, surgery, prenatal care, prescription medicine, medical evacuation, hospice or home health care, chiropractic services and, among other benefits, acupuncture.
Yes, on one application, you can include your spouse and dependents. Dependents may be expected to complete a separate application over a certain age.