ประกันสะสมทรัพย์คืออะไร? เหมาะกับใคร? คุ้มครองอะไรบ้าง?

Summary

In this video, the speaker discusses long-term saving tools, focusing on life insurance with cash value accumulation. They highlight a product called 'Omkum Combo Life Insurance,' which combines life coverage, health benefits, and tax savings in one policy. The plan offers benefits such as hospital coverage, health checkups, and the ability to share medical coverage with family members. With payment terms as short as eight years, this product is ideal for those seeking to build financial discipline while securing health and life protection. The speaker provides examples of plans with different premium levels, emphasizing the value for both individuals and families.

Takeaways

• 😀 Life insurance with savings is a tool for long-term financial planning, combining life coverage and savings accumulation.
• 😀 The policy provides life coverage for a set period, and if the policyholder survives the term, they receive a lump sum as savings.
• 😀 If the policyholder passes away during the policy term, their beneficiaries receive the insured amount as a payout.
• 😀 The insurance product offers health benefits, covering expenses such as hospitalization, dental care, eye care, vaccinations, and health checkups.
• 😀 Premiums paid for this policy are tax-deductible, offering additional financial benefits.
• 😀 There is an option to cover up to five family members under the same policy, sharing the health coverage and benefits.
• 😀 The policy has a fixed premium payment period of eight years, after which the coverage continues for 15 years.
• 😀 The product helps build financial discipline and is an effective long-term savings tool.
• 😀 There are multiple plan options available, such as a basic plan starting at 50,000 THB per year and a family plan at 300,000 THB per year.
• 😀 The policy is available at SCB branches, with easy enrollment and no requirement for a health checkup, making it accessible to many.
• 😀 This life insurance policy is suitable for individuals looking to build long-term savings while ensuring life and health coverage for themselves and their families.

Q & A

What is savings life insurance (ประกันชีวิตแบบสะสมทรัพย์)?

Savings life insurance is a type of life insurance that provides both life coverage and allows the policyholder to accumulate savings over a set period, such as 15 or 20 years. If the policyholder dies during the term, a death benefit is paid. If they survive, they receive a lump sum at the end of the policy term.

Who is the ideal candidate for savings life insurance?

Savings life insurance is ideal for individuals seeking long-term financial security, those who want to accumulate savings while ensuring life coverage, and people looking to combine both life insurance and health benefits in one product.

What makes the 'ออมคุ้มคอมโบ' insurance plan special?

'ออมคุ้มคอมโบ' is unique because it combines life insurance, health insurance, and tax benefits all in one policy. It covers not only the policyholder but also up to five family members for health-related expenses.

How does the 'ออมคุ้มคอมโบ' plan address health coverage?

The 'ออมคุ้มคอมโบ' plan includes coverage for outpatient (OPD), inpatient (IPD), dental care, vision, vaccinations, and annual health checkups, providing comprehensive health protection.

Can the benefits of the 'ออมคุ้มคอมโบ' plan be shared with family members?

Yes, the plan allows the policyholder to share the health coverage benefits with up to five family members, including spouses, children, and other close relatives.

How does the tax benefit work with this insurance plan?

Premium payments for the 'ออมคุ้มคอมโบ' plan are eligible for tax deductions, making it a financially beneficial option for those looking to save on taxes while securing long-term insurance coverage.

What are the payment terms for the 'ออมคุ้มคอมโบ' plan?

The plan requires premium payments for just 8 years, after which the policyholder will continue to enjoy coverage for an additional 7 years (15 years total).

What are the key benefits of the 'ออมคุ้มคอมโบ' insurance plan?

Key benefits include long-term life and health coverage, tax deductions, family health coverage, easy registration, and fixed premiums. It also provides medical benefits that can be shared with family members, making it a comprehensive insurance solution.

How does the plan support financial discipline?

The 'ออมคุ้มคอมโบ' plan helps policyholders build financial discipline by encouraging them to save regularly while ensuring they have life and health coverage. The structured premium payments and lump-sum return after the policy term also motivate consistent saving.

What is the expected payout at the end of the policy term for the 'ออมคุ้มคอมโบ' plan?

At the end of the policy term (15 years), the policyholder receives a lump sum payout, which is typically equal to the amount accumulated over the policy duration, including any benefits accrued from the health coverage and premiums paid.