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Perfect Employee Care Protection

​​​​​Perfect plan that benefits both company and its employees.

Group insurance covering life, accident, and health for employees.


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Provide welfare for employees without burden of uncertain medical expenses.

Can extend the protection to employees' spouses and children.

Note: Consideration of insurance shall be based on the criteria set by the company.


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No medical checkup required to be protected anywhere, anytime.

Cover life, accident, and health insurance.

Note: Consideration of insurance shall be based on the criteria set by the company.


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Employees don’t have to advance money to pay medical fees.

Just present the insured’s card or the Muang Thai Health Care card upon hospitalization.​​​​​

See the list of participating health care providers

Note: Present the Muang Thai Health Care card with a national ID card only at contracted health care providers.

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Win employees’ hearts.

Premiums can also be deducted as company expenses according to Revenue Department criteria.


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Protection can be planned in many ways.

Under specific budgets by choosing from the following protection plans:

  • Group life insurance
  • Group accident insurance
  • Total permanent disability insurance
  • Group health insurance
  • Inpatient treatment (IPD)
  • Outpatient treatment (OPD)
  • Dental treatment
  • Childbirth delivery And treatment of catastrophic (high-cost) injuries or illnesses

Note: Details of protection depend on the selected protection plan.

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Insurance Conditions

Qualifications of organizations eligible for group insurance:

  • All types of businesses registered as a corporate entity and consisting of at least ten employees

Qualifications of employees eligible for group insurance

  • The insured employee must be a full-time regular employee aged between 15 and 65 years old with good health on the effective date of the policy
  • The employee must be an insured person in the social welfare system according to the Social Welfare Act

Participation in the insurance plan

  • If the employer pays the full premiums, all eligible employees (100%) must participate the insurance plan
  • If contributions are collected from employees, at least 75% of the eligible employees must participate in the insurance plan

Medical Checkups

  • If the insured amount is less than 400,000 baht, no medical checkup is required
  • If the insured amount is 400,000 baht and above, a health or medical checkup must be declared in the form specified by the company. The underwriting of insurance shall be based on criteria set by the company

Illness or injury before the effective date of the policy:

  • In the first year, the policy shall not cover any existing illness or injury that is continuous and is not completely cured during the 90-day period before the policy's effective date. The company shall provide protection in the next policy year

Premiums

  • The premium amount depends on the insured amount, the protection plan, and the number of employees, while a premium discount is given for businesses with 51 employees and above

Insurer / Provider

  • Life insurance by Muang Thai Life Insurance Public Company Limited
  • Kasikornbank Public Company Limited is the brokerage firm, License no. Chor. 00024/2546

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Contact

Corporate & SME Bancassurance Unit

Kasikorn Bank, Rat Burana Headquarters
Fax: 02-470-4692

Sireethorn Noijareon

Call. 02-4706195 / 085-9116351
Email : sireethorn.n@kasikornbank.com

Veeraya Jiamviriyakul

Call. 02-4706793 / 085-9117043
Email : veeraya.ji@kasikornbank.com

Note:

  • Kasikornbank Public Company Limited, as a life insurance broker, only offers life insurance products and facilitates the payment of premiums, while Muang Thai Life Insurance Public Company Limited is responsible for the terms of coverage and benefits according to the terms stated in the insurance policy
  • The buyer should understand the details and terms of coverage before deciding to purchase insurance

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Frequently Asked Questions

Can every company apply for employees benefit from the welfare?

The companies eligible for the employees benefit from the welfare have to have all these required qualifications:

  1. A corporate entity
  2. The company has more than 10 full time employees, age 15 - 65 years old, and healthy as of the date the insurance is effective.
  3. Employees must be able to self insured in the social security system according to the Social Security Act
  4. In the case where an employer pays all the insurance interest, all employees eligible need to apply for the insurance. In the case where employees partially pay,the rate of participation in the insurance has to be more than 75% of those eligible.
How to extend the coverage?

Muang Thai Life Assurance will deliver a notice for an extension to clients before the insurance expires at least 30 days. The interest rate after extension may change depending on the number of applicants and the insurance claims in the past year. If clients are interested in extending the contract, they can fill in the form delivered and send the form to Muang Thai Life Assurance.

What is the criteria for considerations in choosing an insurance?

An employer can apply for a group life-insurance as benefits for employees. Additional Options are available for other insurances such as coverage for group accident, disability insurance, and group health insurance. In the case where an employer wants to apply for an insurance for employees’ spouse and offspring, they are eligible only to group health insurance of the employees and they must participate in group coverage.

If employees do not carry their insurance card, do they have to pay for the bill first?

In the case where employees do not bring their insurance card to receive treatments, they need to pay for the bill first then send the receipt (an actual document) and a doctor’s verification letter (an actual document) to their company’s human resource department to rebate.

Do all employees in the company have to apply for a group insurance?

In case an employer pays all the insurance interest, all eligible employees need to apply for the insurance. In the case where employees partially pay,the rate of participation in the insurance has to be more than 75% of those eligible.

How to pay the insurance premium? How much?

With a group insurance, Muang Thai Life Insurance will deliver a document that serves as insurance interest for clients to make payment within 30 days after the billing date. Clients can pay the insurance premium in group insurance in 2 ways:

  1. Cheque, making a payment to “Muang Thai Life Assurance Public Company Limited”
  2. Transfer fund to a current account “Muang Thai Life Assurance Public Company Limited” Kasikorn Bank, Ratchadapisek Huai Khwang Branch. Account number 089-1-02325-1. Also submit a copy of the receipt and name the company registered for a group insurance to Fax number 02-2779170

The insurance premium of a group insurance is considered from the amount of saving spent on the insurance, age, gender, and job position of people in the group--all factors considered; the interest for everyone in the group shall be averaged resulting in a single number and apply to all. The insurance premium for the insurance is being re-evaluated every year.


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