There is no insurance-premium-to-income ratio that works for everyone. Start by reviewing the healthcare benefits you already have, how much of a loss your savings could absorb, your health history, and the policy terms. Do not treat a rule such as keeping premiums below 10–15% of savings as universal.
Compare Plans Using the Same Checklist
- Limits per claim, per year, and by category.
- Limits for room charges, doctor fees, surgery, outpatient care, and ongoing treatment.
- Deductibles and any co-payment requirements.
- Exclusions, pre-existing conditions, waiting periods, and renewal terms.
- Premiums as you get older and any conditions under which premiums can change.
- How claims are paid and whether you must pay first or use a network hospital.
Thailand’s Office of Insurance Commission (OIC) explains standards for health-insurance benefits and recommends comparing policy terms. Read the OIC health-insurance information document, then request the full policy from the insurer before paying a premium. Marketing copy or a sales summary does not replace the contract terms.
The attached video does not discuss health insurance or set a premium ratio, so it is not evidence for choosing a product. Read next about home insurance and MRTA and how to review a parent’s insurance policy.
Source: OIC: Health-insurance guidance.
The video shown on this page is not evidence for the article’s content or claims.