Cancer Insurance: "Lump Sum" vs. "Medical Expense Reimbursement" - What's the Difference?

Lump Sum (Detection-based): Pays 100% of the insured sum instantly upon diagnosis (e.g., 1 Million THB), and the policy terminates. Money can be used for any purpose.

Medical Expense (Reimbursement-based): Covers actual hospital bills directly (e.g., surgery, chemo, targeted therapy) up to annual limits of 5-10 Million THB, and the policy remains active.

Best strategy: If budget allows, get both. The lump sum provides a financial lifeline during work stoppage, while the medical expense portion handles uncapped, high-tech treatment costs.