
In today’s competitive job market, offering a solid employee benefits package is no longer just a nice perk for employees; it’s essential. In Thailand and around the world, staff are placing greater value on workplace wellbeing. According to recent surveys, 61% of employees say benefits are a key factor when choosing an employer, and 91% believe benefits directly affect their wellbeing.
For employers, strong group insurance helps retain top talent, reduce absenteeism, and boost engagement. It also protects both staff and business from unexpected medical costs. But what should an effective plan actually include?
Eight Key Features Every Employee Benefits Insurance Plan Should Offer:
1. Inpatient and Outpatient Medical Cover
This is the heart of any group insurance plan. Employees should have access to both hospital treatment and everyday care. Look for plans that offer room and board starting from around THB 800 per night, with options for ICU coverage where needed.
2. Access to Private Hospitals with Cashless Claims
Thai employees highly value private healthcare. A plan with a large hospital network and direct billing allows them to receive treatment without having to pay upfront. Some providers offer access to over 700 hospitals nationwide.
3. Coverage for Pre-existing Conditions
One of the biggest advantages of group insurance is that it typically covers pre-existing conditions from day one. This is a major benefit for employees managing long-term health concerns.
4. Maternity and Dependent Coverage
Family-friendly benefits are increasingly important. Good plans include coverage for maternity care, delivery, and newborns or dependents. This supports employees both at work and at home.
5. Medical History Disregarded (MHD)
Plans with MHD status do not require medical history disclosures. This makes the process simpler and ensures coverage for all staff, regardless of past conditions.
6. Life and Disability Protection
Many plans include group life insurance and accidental death or disability benefits. These often cover between 12 and 48 times an employee’s monthly salary, helping to protect families from financial hardship.
7. Critical Illness Cover
Conditions like cancer, stroke, and heart disease are covered under some group policies. This provides financial support during difficult times, allowing employees to focus on recovery.
8. Support Services and Wellness Tools
Additional services such as teleconsultation, mental health support, and wellness programmes are becoming standard. These resources improve wellbeing and are linked to lower absenteeism and higher engagement.
The Bottom Line
Globally, more than 90% of large companies now offer health insurance as a way to attract and retain staff. In Thailand, private medical care is highly valued, which makes employee benefits insurance a practical and strategic investment.
At AA Insurance Brokers, we help businesses create personalised insurance plans that are both affordable and effective. Our team works with trusted providers to make sure your staff are covered, and your business is protected.