Your Health Insurance policy and premium is based on the following :

  1. Which Insurance company you select
  2. Your age
  3. your plan selection
  4. area of coverage and,
  5. whether you opt to have either a  co-payment and, or a deductible ( Excess) .

Should you wish to reduce the Health Insurance premium, pending upon the Insurance Company and the level of cover selected, you can opt for one of the following:

  1. Deductible / Excess: This is the elected amount of money that you agree to pay for your medical treatment before the Insurance company settles the medical Bill. This can be either applied as per claim or per year basis, depending on the selected Insurance company. Eg You have a bill of B150,000 and an excess of B40,000 on your policy. You would pay first B40,000 of this cost and the Insurance company would cover the remaining B110,000.
  2.  Co-payments: With a co-payment, the insurance company agrees to pay for a service but you must cover a pre-set cost, eg 500 Bht. This cost applies every time you schedule a service that has an assigned co-pay. Co-pays can be lower or higher depending on the plan or according to the service provided.

Speaking with one of our staff, we will work with you to find the best solution to your needs