Solutions for increased medical expenses of staffs Bank for Agriculture and Agricultural Cooperatives (BAAC), Mae Chan Branch, Chiang Rai

Abstract

          The purpose of this independent study is to find solutions for increased medical expenses of staffs and assistant-staffs Bank for Agriculture and Agricultural Cooperatives, Mae Chan Branch. The study is consisted of target group 18 staffs and assistant-staff by using interviewing forms as a tool for data collection. The study found that the solutions for increased medical expenses of BAAC staffs in Mae Chan branch have been separated to 3 aspects. There are staffs and assistant-staffs, spouses of staffs and assistant-staffs and children of staffs and assistant-staffs. Firstly staffs and assistant-staffs, the cause is marital status. Because this can also increase the expenses of spouses and children. The age range of 31 - 35 years old is the beginning of having family and children. For the age range of 51 - 55 years old is the preparation for retirement. These have congenital disease which need continuous and long-term treatment. Taking full rates for medical expanse is the specific cause when they are not sick enough for getting the medical treatment from the hospital, such as full mouth scaling, getting influenza vaccination. The welfare rights for medical treatments are taking from private hospitals include specific private hospitals for staffs. Secondly spouses of staffs have welfare options for medical treatments. Also having long-term treatments sickness can be the causes of higher expenses.  Thirdly children of staffs have taken full welfare options for medical treatments.

          From the study found that the suitable solution for solving problems is awareness of doing exercises for good health. If the bank uses medical expense for working evaluation, this can reduce the cost of medical treatment expenses effectively. These also make better motivation and enthusiasm for health care, especially for the beginning staffs. These can be the result for reducing organization expenses. But these are not suit for some staffs that have long-term treatments.