If you’re running a business in Thailand, providing staff insurance is one of the most valuable investments you can make. Not only does it support employee wellbeing, but it also strengthens your brand, improves retention, and helps manage risk more effectively.

But for many employers, especially small to mid-sized businesses, knowing where to start can be overwhelming. We break down the key steps and considerations involved in offering the right insurance cover for your team.

Understand the Legal Framework

All companies in Thailand are required by law to register their employees with the Social Security Office (SSO) within 30 days of hire. Both employers and employees must contribute 5% of the employee’s monthly salary (up to THB 750) to the Social Security Fund. This covers basic healthcare, disability, unemployment, and retirement benefits.

However, many employers find the minimum coverage under the SSO insufficient, especially when trying to attract experienced or specialist staff. That’s where private staff insurance plays a vital role.

Step 1: Assess Your Workforce Needs

Begin with a clear assessment of your team. Consider:

• Average age and family size
• Existing health risks or needs
• Roles with higher physical or travel demands
• Preferences for hospital access or locations

This will help shape the type of cover that makes the most sense for your organisation.

Step 2: Budget and Plan Accordingly

Costs vary based on the size of your company and the type of benefits provided. A general starting range for group medical insurance in Thailand is under THB 1,000 per employee per month. Costs may rise for more comprehensive coverage, or if you include dependents and additional features.

It’s important to factor in potential annual premium increases, which have been projected at around 8 to 9% in the region.

Step 3: Choose the Right Coverage

Your package should reflect your business values and your team's real needs. Consider including:

• Inpatient and outpatient medical cover
• Coverage for pre-existing conditions
• Access to a large hospital network with cashless claims
• Life, disability, and critical illness protection
• Maternity and dependent support
• Mental health or wellness add-ons

Plans that include “Medical History Disregarded” status provide added peace of mind, especially for employees with existing conditions.

Step 4: Select a Trusted Insurance Partner

Work with a provider that offers:

• Strong hospital networks across Thailand
• Efficient claims handling
• Responsive customer service
• Transparent plan options
• Reliable financial backing

Many businesses choose to engage a broker to help compare policies and manage the details. At AA Insurance Brokers, we offer personalised support from plan design to claims management, ensuring your coverage aligns with your company’s goals and budget.

Step 5: Communicate and Review

Once your insurance is in place, clear communication is key. Make sure staff understand:

• What’s included
• How to access care
• How to make claims

Use a mix of Thai and English materials, along with digital and in-person explanations depending on your workforce.

Schedule annual reviews to assess plan usage, gather employee feedback, and adjust the coverage as needed.

Make it Count

Staff insurance is more than a line item in your budget. It’s a reflection of your company culture and a practical step toward long-term success. With the right approach, you can create a cost-effective package that protects your people, supports growth, and keeps your business ahead of the curve.