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Preferable max coverage for a health insurance?

+1 vote

My question is rather open and I fully realize it truly depends on the individual’s preference, current health, and budget. But overall in general Karsten, what would be a comfortable amount to have as a maximum coverage to feel secure?

I see max coverages amount to 500,000 and 750,000 and of course anything over 1mill baht. I’m very healthy and rarely need a doctor, but I’m worried about some unforeseen accident/surgery that could result in numerous days in the hospital.

Anyway, I’d love to hear what ‘you’ yourself would think is a comfortable max coverage to have, where it doesn’t break the bank. Thanks so much indeed Pal, I’m very grateful!

asked Dec 14, 2017 in Health
by website-user (7,010 points)

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1 Answer

+2 votes
Best answer

I’m comfortable with USD 500,000. It means that short of an extraordinary catastrophic coincidence, treatment at any and all facilities in the country (including the ICU at Bumrungrad) would be covered.
The government social security service tends to consider it possible that patients can accumulate THB 2m per treatment at a government hospital and recently raised their internal billing limit to that amount. I’d thus consider that a minimum if you were to get private insurance.

answered Dec 14, 2017
by website-answer (38,870 points)
selected Dec 14, 2017 by website-user