Home › Forums › Several Ways to Have Access to Expat Health Insurance Benefits › Reply To: Several Ways to Have Access to Expat Health Insurance Benefits
There is no doubt that the cost of living in and medical expenses are rising in Bangkok, Having life or medical insurance comes with its own benefits and for this reason many people have resorted to this plan for many years now. It is always good to know that nowadays the costs of medical bills and hospitalization can be partially covered with this type of plan. It confers the peace of mind that no matter what, these huge costs can become very affordable once you have purchased medical insurance for you and your family.
Medical insurance benefits can extend not only to you as an individual but also to your entire family. In order to have access to these benefits there are several ways to approach these plans. Check down below with these approaches:
1) One way to access the medical insurance benefits, is through purchasing the plan through your employer who has access to group plans for their employees. At this point, your employer offers you the possibility of opting for medical insurance with a specific type of coverage where they pay a part and the rest being yours to pay once deducted from your monthly paycheck.
It is also important to thoroughly check for the coverage plan and make sure that you get insured for a wider range of needs as in this way you rest assured that you can get covered for various health conditions. On the other hand you can get lucky enough for the employer to pay the coverage, but in this case, the coverage plan may be only the basic one which doesn’t give you too much power of choosing the preferred coverage.
2) Another way to access medical insurance benefits is when your employer is not in the position of having this coverage paid for offering their employees no other chance than to purchase an individual medical insurance policy for their needs.
This is a pretty rare situation, but it does happen for some employers to be in the impossibility of having access to medical insurance for their employers due to a poor financial stability. In some cases, employers are obligated by law to offer their employees medical coverage, but this is not applicable in Thailand, you may want to purchase an individual coverage plan. In this case you can as well have access to family coverage plans that are considered as group medical insurance, hence lower premiums to pay for the policy.
At this point you may want to have a proper review of the plan and find the one that you and your entire family can benefit from according to your specific needs. Do not expect to have the dental coverage applicable inside this plan, but at least you can obtain pretty much coverage beside the basic one.