How do I choose which Health plan is the best for me?

Choosing a Health Insurance plan can be quite challenging. The best choice of plan depends entirely on your personal circumstances such as age, family composition and overall health. AA Insurance Brokers is more than happy to guide you through the maze of all different Health Insurance plans, their benefits, advantages and disadvantages so that you and your family are free from care.

What kinds of Health Insurance are available in Thailand?

In Thailand two types of insurance are available: 1. Insurance policies that cover almost everything for 100% and 2. the so-called limited insurances. The limited plans are generally cheaper however have limits set to almost everything. For example: room and board, max. 4,000 Thai Baht/day. These type of insurances carry the risk that clients end up paying a (substantial) part of the hospital bill by themselves.

What is the difference between Inpatient and Outpatient?

Inpatient (hospitalisation only) is a term that is used in case you are hospitalized. I.e. admitted to the hospital for a certain amount of time. Outpatient care is the care you receive when you go to a hospital, when you consult a general practioner, receive the prescribed medication and then return back home. Please note that the definition of Inpatient care might differ amongst insurance companies. It therefore does not always mean an overnight stay. Sometimes being assigned to a hospital bed for a certain amount of time will qualify as inpatient care.

What is a waiting period?

A period defined under the insurance policy before a select list of medical conditions and/or ailments start getting covered under your intended Health Insurance policy. Once the defined waiting period is over, the insurance company can no longer deny a claim.

What is a deductible?

This is the amount you pay for health care before your insurance kicks in. For example: you have a USD 5,000 deductible and your Hospital bill is USD 10,000. You will have to pay the first USD 5000 and your insurer will cover the remaining USD 5,000. If it is an annual Deductible, you will only have to pay the Deductible amount 1 time per Policy Year.

What are pre-existing conditions?

Any health condition that a doctor has previously diagnosed you with prior to your health plan taking effect, can be labelled as a pre-existing condition. Please be aware that if you decide to switch insurers, the new insurance company may exclude any medical conditions you have had treated whilst insured with the previous insurer.

Is Health Insurance getting more expensive with age?

Yes. In general, insurance premiums will increase in age brackets of five years. While the premiums of some Health Insurance plans skyrocket while growing older, others stay quite affordable.

CORPORATE INSURANCE:
"A Shield for Your Business, A Safety Net for Your Employees".

AA Insurance as you trusted Employee Benefits Specialist + HR Services

Welcome to our Corporate Insurance page, where we focus on delivering exceptional Employee Benefits and HR services to businesses in Thailand. Our approach is unlike any other broker in the region, as we believe in putting our clients at the heart of everything we do.

At our core, we are a team of experienced professionals who understand the complex world of insurance, employee benefits and employee engagement. Our goal is to simplify this process for our clients, by providing tailor-made solutions that meet their unique needs and objectives. We believe in building long-term relationships with our clients, as we believe that this is the key to achieving mutual success.

What sets us apart from other brokers is our focus on innovation and technology. We use cutting-edge tools and platforms to deliver our services, ensuring that our clients have access to the latest solutions and resources. We also leverage data and analytics to provide insights that help our clients make informed decisions about their employee benefits programs.

But we know that technology alone is not enough. That's why we also place a strong emphasis on personalized service and human interaction. Our team of experts is always available to answer questions, provide guidance, and offer support to our clients. We understand that every business is unique, and we take the time to get to know our clients' needs and objectives so that we can deliver the best possible solutions.

At our brokerage, we believe that employee benefits are not just a checkbox on a list of HR tasks. They are a vital component of a company's overall strategy and culture. We work with our clients to develop programs that not only attract and retain top talent, but also support their overall business objectives.

In summary, our corporate insurance brokerage is committed to delivering exceptional employee benefits and HR services to businesses in Thailand. We believe in innovation, technology, personalized service, and a client-centric approach that sets us apart from other brokers. We look forward to working with you to achieve your business goals and objectives.

If you are looking for a trusted and reliable insurance broker that specializes in employee benefits, look no further than AA Insurance with Alliance. We are committed to providing our clients with the highest level of service and support and helping them achieve their goals for their business and employees.

1. Employee Benefits:

a. Group health
Group health insurance offers benefits to a group of employees working for the same company. Depending on the company requirements and wishes from employees, this can be essential cover or comprehensive cover, obviously the available budget also plays a role here. We as brokerage will go after the best possible benefits for the lowest premium but will never forget the true stability of the insurer and long-term perspective of the company.
I. Inpatient / Outpatient / Dental / Maternity / Preventative care / Evacuation & repatriation
II. Direct settlement, the insurers pay the hospital directly
III.International or Local cover, any choice of geographic coverage
IV. International or Private hospital fully covered
V. A dedicated client servicing team with true personalized service that helps not only the employees but also the takes a lot of work out of the HR hands
VI. Benefits orientation and communication
b. Group life
Group Life insurance is a wide term, especially in Thailand and the region. There are many different options, especially on the local side as it is quite common for Thai employees to be covered for life insurance, or income protection. Therefore, in Thailand there are many options available from many different insurance companies.
I. Offering various options on life insurance, total permanent disability (TPD), accidental death and dismemberment (AD&D)
II. Short- and long-term disability insurance
III. Local and international life insurance
c. Wellness
The physical and mental state of employees are becoming more and more important nowadays. Many insurers are including various programs in their benefits in order to cover those “employee assistance” programs. Especially on the expatriate side, where they need to travel often and deal with various cultures this helps a lot.
I. Access to Employee Assistance Programs (EAP)
II. Health Check-ups
III. Counselling
IV. Health concierge
V. Company sports events

2. Business Insurance

Corporate or business insurance, is a term used for all the miscellaneous insurance policies a small or large business requires for their operations. Some policies are mandatory by law thus very important. Others are not mandatory but recommendable, and some policies are only important in certain business cases. As all our consultants are extremely experienced, they can advise exactly which policy you require by law, which one is recommendable and which one we can ignore or consider at a later stage.
a. Employer's Liability Insurance (EL) or workers compensation insurance
b. Public Liability Insurance (PL)
c. Directors and Officers Insurance (D&O)
d. Product Liability Insurance
e. Business Interruption Insurance (BI)
f. Electronic Equipment or Cyber Insurance
g. Professional Indemnity Insurance (PI)
h. Fidelity Guarantee Insurance
i. Shop Insurance
j. Travel Insurance
k. Property Damage
l. Burglary and Theft

3. Why us? What is our added value?

a. As a true employee benefit broker, we are not only helping you with setting you up on your (various) plans or help you choosing the right insurer. What is really setting us apart from every other broker is all the in-dept analysis and year-round personalized service that we offer out of AA, true double A service not only for the insured but also on the HR operations side as we take a lot of work out of their hands. We offer you this through our long 20 years of experience that resulted in the following client value proposition:
I. Market Knowledge & Industry Reputation
II. Negotiation position and creating competitive environment around insurers
III. Census/employee list management
IV. Claims data analysis and in-dept reports
V. Taylor made plan design
VI. Year-round full claims support and benefits orientation days

CORPORATE INSURANCE:
"A Shield for Your Business, A Safety Net for Your Employees".

Do you need more information about Corporate Insurance, or would you like to receive a tailor-made offer?

Offices in:

Main number

Email

CORPORATE INSURANCE:"A Shield for Your Business, A Safety Net for Your Employees".

Do you need more information about Corporate Insurance, or would you like to receive a tailor-made offer?

Offices in:

Main number

Email

CORPORATE INSURANCE:
"A Shield for Your Business, A Safety Net for Your Employees".