What is “Major medical”?
Major Medical can be thought of as pure insurance. The insurance will pay out a portion for each medical service in exchange for a premium. The differentiator for major medical is that you are completely unrestricted regarding the medical provider you choose. You can go to any doctor or hospital you like. You can also go whenever you like.
This is in addition to the standard amount the insurer will pay for surgery. Any type of surgery which they class as ‘major’ will qualify for ‘major medical’ benefit. For example, if your standard insurance surgical benefit is 120,000 baht and you have major surgery, the bill comes to 500,000, then ‘major medical’ benefit would cover the additional amount. In a recent case involving a cartilage operation, the patients cover limit was 80,000 and the bill came to 120,000. The insurance company covered the entire bill.
