Depending on the policy of course, if wanting basic, el'cheap or extras, at additional cost of course. Another silly generalization that does not 'fit all' 🙄
That is this wonderful Idea when you have a Health insurance policy and pay a premium and maybe deductible that you get a bonus option the pleasure to share the expense of whatever medical care you receive.
Example: Bill is 20,000 baht you get to pay deductible plus 4,000 baht and insurance would pay 16,000 baht
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