ประกันรถยนต์ ราคา | Allianz Ayudhya Assurance Public Co. Ltd

1. HEALTH INSURANCE • https://www.allianz.co.th/th_TH.html

2. KNOWING THAT YOU HAVE INSURANCE COVERAGE PROVIDES PEACE OF MIND, REDUCING ANXIETY ABOUT POTENTIAL HIGH MEDICAL BILLS. IT ALLOWS YOU TO FOCUS ON YOUR HEALTH AND RECOVERY RATHER THAN FINANCIAL CONCERNS.

3. HAVING INSURANCE ALLOWS INDIVIDUALS TO UTILIZE THESE NETWORKS, ENSURING THAT THEY RECEIVE QUALITY CARE AT REDUCED COSTS. FOR EXAMPLE, AN INSURED INDIVIDUAL MIGHT HAVE ACCESS TO A PREFERRED NETWORK OF DOCTORS AND HOSPITALS, OFFERING THEM HIGH-QUALITY CARE AT A MORE AFFORDABLE RATE THAN IF THEY WERE PAYING OUT-OF-POCKET.

4. INSURANCE COVERAGE IS ASSOCIATED WITH BETTER HEALTH AND LOWER MORTALITY RATES. INDIVIDUALS WITH HEALTH INSURANCE ARE MORE LIKELY TO SEEK MEDICAL CARE WHEN NEEDED, ADHERE TO PRESCRIBED TREATMENTS, AND RECEIVE PREVENTIVE SERVICES. THIS RESULTS IN IMPROVED MANAGEMENT OF CHRONIC CONDITIONS AND BETTER OVERALL HEALTH.

5. HEALTH INSURANCE CONTRIBUTES TO THE EFFICIENCY OF THE HEALTHCARE SYSTEM BY NEGOTIATING RATES WITH PROVIDERS AND PROMOTING PREVENTIVE CARE. INSURANCE COMPANIES OFTEN HAVE AGREEMENTS WITH HEALTHCARE PROVIDERS TO OFFER REDUCED RATES FOR SERVICES, WHICH HELPS CONTROL OVERALL HEALTHCARE COSTS. ADDITIONALLY, BY EMPHASIZING PREVENTIVE CARE AND EARLY INTERVENTION, INSURANCE HELPS REDUCE THE NEED FOR EXPENSIVE EMERGENCY CARE AND HOSPITALIZATIONS.

6. THE FUTURE OF HEALTH INSURANCE IS LIKELY TO INVOLVE CONTINUED EFFORTS TO IMPROVE AFFORDABILITY, ACCESS, AND COVERAGE QUALITY. POLICYMAKERS AND INSURERS ARE EXPLORING VARIOUS APPROACHES TO ADDRESS EXISTING CHALLENGES, SUCH AS EXPANDING SUBSIDIES FOR LOW-INCOME INDIVIDUALS, ENHANCING COVERAGE OPTIONS, AND INCORPORATING INNOVATIVE CARE MODELS.

7. THESE DAYS, WE OFTEN SEE HEALTH INSURANCE IN THE FORM OF A LUMP SUM PAYMENT THAT IS ACTUALLY AVAILABLE TO CHOOSE FROM. BECAUSE IT IS NOT FUSSY AND DOES NOT REQUIRE MUCH THOUGHT, IT HAS GAINED ATTENTION. IN ADDITION, IT CAN BE PAID AS A DEDUCTIBLE OR THE FIRST LIABILITY, REDUCING THE PREMIUM EVEN FURTHER. BUT REGARDING THE DEDUCTIBLE OR THE FIRST LIABILITY, WE SHOULD UNDERSTAND AND KNOW A LITTLE BEFORE BUYING HOW TO CHOOSE TO PAY THE DEDUCTIBLE AND HOW TO MAKE IT TRULY EASY ON THE POCKET.

8. TO PUT IT SIMPLY, AS THE INSURED, WE MUST TAKE RESPONSIBILITY FOR THE FIRST LUMP SUM WHEN MEDICAL EXPENSES OCCUR. WE DON’T HAVE TO PAY THE FIRST LUMP SUM OURSELVES BECAUSE WE CAN USE OUR EXISTING HEALTH INSURANCE OR WELFARE (E.G. SOCIAL SECURITY, COMPANY EMPLOYEE WELFARE) TO REPLACE IT. FOR EXAMPLE, WE HAVE TO PAY A DEDUCTIBLE OF 30,000 BAHT PER POLICY YEAR FOR THE FIRST MEDICAL TREATMENT, BUT IF THE MEDICAL EXPENSES WE HAVE TO PAY EXCEED 30,000 BAHT, WE CAN USE THE COMPANY’S HEALTH INSURANCE TO PAY FOR THE 30,000 BAHT AND THE INSURANCE COMPANY WILL PAY FOR THE EXCESS.

9. RESEARCH SHOWS THAT UNINSURED INDIVIDUALS ARE LESS LIKELY TO RECEIVE TIMELY MEDICAL CARE AND ARE MORE LIKELY TO DELAY TREATMENT DUE TO COST CONCERNS. THIS DELAY CAN LEAD TO WORSENED HEALTH CONDITIONS AND INCREASED SEVERITY OF ILLNESSES. FOR EXAMPLE, SOMEONE WITHOUT INSURANCE MIGHT AVOID A DOCTOR’S VISIT FOR A PERSISTENT SYMPTOM, ONLY TO FIND THAT IT HAS DEVELOPED INTO A MORE SERIOUS AND EXPENSIVE CONDITION BY THE TIME THEY SEEK CARE. IN CONTRAST, INSURED INDIVIDUALS ARE MORE LIKELY TO MANAGE THEIR HEALTH PROACTIVELY, LEADING TO BETTER HEALTH OUTCOMES AND POTENTIALLY LOWER LONG-TERM HEALTHCARE COSTS.

10. LOOK CAREFULLY AT HOW WE HAVE TO PAY THE DEDUCTIBLE. FOR EXAMPLE, IF WE HAVE TO PAY A DEDUCTIBLE OF 30,000 BAHT, WE HAVE TO LOOK AT THE PAYMENT CONDITIONS. IF THE CONDITIONS REQUIRE PAYMENT EVERY TIME WE RECEIVE TREATMENT, SUCH AS RECEIVING TREATMENT TWICE, IT IS EQUAL TO PAYING 30,000 X 2 = 60,000, ESPECIALLY IF IT IS A DISEASE THAT MAY HAVE SYMPTOMS OF THE DISEASE RETURNING AGAIN FOR MORE THAN 90 DAYS, IT WILL NOT BE WORTH PAYING THE DEDUCTIBLE EVERY TIME.