What is Self-Employed Health Insurance?
Self-employed health insurance, at its core, offers healthcare coverage specifically designed for those working independently. It caters to freelancers, contractors, and other types of self-employed individuals. This insurance coverage varies in intricacy, from pure essential coverage to exhaustive plans, tailored to suit various health requisites.
As the name suggests, self-employed health insurance is health insurance designed specifically for freelancers or self-employed workers. With self-employed health insurance, you can have full control over the kinds of coverage you want to be.
If anything happens to you, whether it’s a personal accident or a severe disease, you’ll have peace of mind knowing that your coverage will protect you even if you cannot work. You have the option of choosing a plan that promises renewability up to a certain age or even lifetime renewability.
Other Types of Insurance That Will Be Beneficial To You
Although injuries and sickness are unavoidable, you should still plan for the financial consequences. Below are two of the most common insurance policies on the market right now, with rates and benefits to match.
Family Health Insurance
Cigna provides an excellent family health insurance plan that offers your loved ones the much-needed financial safety net. As with health insurance for self-employed individuals, this plan encompasses multiple benefits
This form of insurance is designed to cover your whole family in a single policy. The program covers many benefits for your entire family, including medical costs, hospitalisation, and other medical expenses. It can also be customised to meet the needs of your family.
Health Insurance for Smokers
The plan features benefits like a broad network of healthcare providers and a thorough array of covered conditions.
This is a form of health insurance for smokers who may need compensation for potential medical care and medical expense coverages, the amount of coverage in this form of policy is determined by how much a person smokes, which significantly impacts the premiums.
Why Choose the Thaiger?
You must keep yourself safe and protected in times of emergencies, especially if you are in a foreign land. The Thaiger will help you select the best premiums on self-employed health insurance in the local market so you can have a worry-free time in the Land of Smiles.
We compare hundreds of Self-Employed Insurance for you, saving you time, energy, and money. All you have to do is click Get A Quote and tell us a little bit about yourself and what you’re looking for.
Factors to Consider When Purchasing Self-Employed Health Insurance
Selecting self-employed health insurance can be overwhelming since there are many insurance companies and plans to choose from. You can consider the following factors to determine which plans match your personal needs best.
Financial Security
Medical emergencies pose a significant risk to your financial stability. Hospital bills, particularly for treatment of major ailments, can easily run into thousands of pounds. By opting for suitable health insurance, you avoid the risk of depleting your savings when unforeseen medical expenses arise.
Health Benefits
Choose a plan that provides all the benefits you need. Make sure the plan offers you access to personalised treatment from doctors and hospitals at any time, no matter where you are.
Costs
Consider which plans fall within your budget regarding premium, deductible, coinsurance, and co-payments. If your primary requirement is a low monthly premium, then consider a high deductible plan.
Doctor Network
Do you have a favourite hospital or doctor in Thailand you want to keep? Find out which plans your doctor or hospital accepts. Let Thaiger’s team know who your favourite doctor is or which one your preferred hospital is so we can help find the health insurance they accept.
Annual Check-Ups and Preventative Care Coverage
Preventative care, such as annual screenings and exams, can find diseases early, helping you stay healthy. Therefore, make sure that your plan covers these.
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Why Should I Consider Health Insurance if I’m Self-Employed?
Many self-employed workers and freelancers don’t realise the importance of health insurance. In reality, health insurance comes with numerous advantages, including:
Things to Know About Self-Employed Health Insurance
There is typically no difference between health insurance for self-employed and employed individuals. However, there are a few things you need to be aware of before purchasing self-employed health insurance.
No Cover for Sick Days
There is usually no financial benefit for primary care unless you get the most expensive plans. While you can visit the doctor if you are sick with the flu for a few days, most self-employed health insurance policies may not pay you for the costs. As a result, self-employed people need to have a rainy-day fund to help them weather the storm.
The Cost of Treatment May be Capped
Certain types of treatment are capped in the self-employed health insurance policy wording. For example, expensive heart and cancer treatment may not be fully covered since they usually come with a limit.
Exclusions
Some disabilities, such as becoming deaf, loss of vision, and disorders, are classified as standard exclusions in policy wordings, which may be necessary to you if your line of work is vulnerable to certain illnesses. Exclusions may also include accident and emergency care, HIV or AIDS treatment, and cosmetic treatment.
Chronic Conditions Covers Are Limited
When an illness progresses to the ‘chronic’ stage, where it becomes a lifelong part of your health, insurers are less likely to cover regular monitoring and maintenance costs. For self-employed individuals who are at risk of specific illnesses due to their line of work, this can be a concern.
Inquire Now to Receive Your Self-Employed Health Insurance