Picking a health insurance in Thailand can be daunting especially with all the choices available and if you are not quite sure what would suit you best. However, there are tips to make choosing an insurance coverage a little easier for you. Here are these tips.
Determine what you need
Generally, employees are provide with health insurance as part of their employment benefits. However, some of the insurance policies provided may not be as comprehensive as you would want them to be and employees do not have a choice but accept whatever type of coverage is given to them. If you have an existing health insurance from your company, get a copy of the and if you are not happy with it, search for health insurance providers where you can get the lacking items that you would want to have.
Make a research
Make a research to find out that there are different types of health insurance in Thailand that you can purchase. Some of these insurances include Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO),Point of Service Plan (POS) and Preferred Provider Organization (PPO). Find out about these insurances and their differences to see what suits you. Check the summary of benefits and the premium. Consider you and your family’s health conditions, risks and medical or health history.
Search for health insurance company
If you have a doctor, find out if he is an in-network doctor of your preferred health insurance provider. An in-network doctorcollects lower rates because they have a contract with the insurance company. Pick a health plan with more options and coverage at a reasonable amount.
Compare the benefits
Before you decide on a health insurance in Thailand, take a look at the different options before you. To better understand the coverage and how you will benefit from it, call the insurance company and talk to an insurance representative. Ask as many questions as possible until you are fully satisfied. Find out if you would be covered even if you travel overseas or if your current medication, if any, would be covered by the insurance policy.