Choosing a private health insurance in Thailand can be daunting especially if you have not obtained insurance before. To help you find the right insurance coverage for your health, take a look at these ideas.
Know your coverage needs
Most companies provide health insurance to their employees. However, the downside of health coverage offered by companies is that. Most of the time, the coverage is limited as it is usually the cheapest. Your HR department would generally give you a copy of your health insurance coverage. Review the policy andif you are not satisfied with the coverage, look for a health insurance that would complement your existing coverage.
Look for health insurance policies
There are different types of private health insurance in Thailand plans. Some of these are Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO) and Point of Service Plan (POS). Find out the differences of these insurance policies and determine which of these suits your requirements. Focus on the summary of benefits and the premium or amount that you need to pay for the coverage. Before you pick a plan, think about your health consider and your beneficiaries. Consider your health and medical history.
Search for a health insurance provider
If you have a doctor of your choice, ask them if they are an in-network doctor of a particular health insurance company. In-network doctors generally collect lower rates because they are contracted by the insurance company. Choose a health plan with better options and more health coverage at a more affordable amount.
Compare different plans
Before you finally decide on coverage for your private health insurance in Thailand, take a look at the different plans offered by health insurance providers. Call the insurance company and talk with their representative for more information about the different plans offered. Ask relevant questions. If you have a medical condition, find out if it is covered by the plan that you intend to buy. Find out if the coverage extends internationally or if you will remain covered when you travel abroad.