Employee Group Accident Insurance for Small and Medium Enterprises

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  • This Insurance plan is specifically designed for small and medium sized businesses (SME). With the low premium rates, the plan offers maximum benefit for the employees as well as their families. The coverage is 24 hours a day worldwide, whether working, travelling, staying at home or doing activities. The benefits provided for employees and their families.

Key features


key feature 1

Cover Loss of life, dismemberment, loss of sight or total permanent disability.

key feature 2

Medical Expenses from Accident.

key feature 3

Cremation Expenses.

Plan details


  • Cover Loss of life, dismemberment, loss of sight or total permanent disability up to 1,000,000 Baht.
  • Cover Medical Expenses from accident up to 100,000 Baht.
  • Cover Cremation expenses from accident up to 30,000 Baht.

Benefit Sum Insured (Baht)
Murder or assault 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Driver or passenger of motorcycle 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Riot and strikes 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Cremation expenses following an accident 10,000 20,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000
Medical expense 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000
Sabai Dee Card Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

Insured will receive Sabai Dee Card minimum premium Per Policy Over 5,000 Baht and Sum Insured per person is Up to 100,000 Baht.

Benefit Sum Insured (Baht)
Loss of life, dismemberment, loss of sight, loss of larynx (voice box) or total permanent disability 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 900,000 1,000,000
Murder or assault 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Driver or passenger of motorcycle 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Riot and strikes 50,000 100,000 150,000 200,000 250,000 300,000 300,000 300,000 300,000 300,000
Cremation expenses following an accident 10,000 20,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000
Medical expense 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000
Sabai Dee Card Yes Yes Yes No Yes Yes Yes Yes Yes Yes

Insured will receive Sabai Dee Card minimum premium Per Policy Over 5,000 Baht and Sum Insured per person is Up to 100,000 Baht. 

Employee Type PA.1 Premium per person/year (Baht)
Office employee 340 550 750 950 1,150 1,390 1,590 1,750 1,950 2,190
Employee who works outside the office 580 930 1,200 1,500 1,850 2,150 2,450 2,750 3,000 3,400
Employee who works with machinery 760 1,200 1,620 2,100 2,490 2,850 3,220 3,590 4,100 4,400

Premium is inclusive of duty stamp and payable by the insured means  Premium per person/year x number of employee) + duty stamp (20 Baht)  

Employee Type PA.2 Premium per person/year (Baht)
Office employee 380 630 880 1,120 1,350 1,620 1,850 2,050 2,290 2,1550
Employee who works outside the office 650 1,10 1,510 1,880 2,290 2,540 2,890 3,290 3,650 4,100
Employee who works with machinery 870 1,450 1,990 2,550 3,000 3,500 4,120 4,450 4,750 5,450

Premium is inclusive of duty stamp and payable by the insured means  Premium per person/year x number of employee) + duty stamp (20 Baht)  

Acceptance Conditions

1.Employee of small and medium sized businesses, aged between 16-65 years (renewal considered until 70 years old).

2.Spouse, wife / husband of an employee aged between 18 to 65 years (renewal considered until 70 years old).

3.A son / daughter of an employee aged between 1-21 years (optional insured amount not exceeding 300,000 Baht).

Staff level is as follows

1.Office employees mean executives, directors, section managers, supervisors, administrative and financial officers.

2.Employees who work outside the office refers to salesmen in the field, employees who regularly contact customers outside the office, drivers of executive cars, engineers and general workers who do not work with the machinery.

3.Employees who work on machinery means general workers who work with machinery, both in and outside the office.

Occupations not covered by Employees Group Accidental Insurance: market/street merchants, hawkers, laborers, hospital or nursing home workers, singer, actor/actress, music player, reporter, politician, cleaning staff outside the glass of tall buildings, offshore work, sailors, sailors (meaning sailors or members who are in charge of the boat from the commander to the bottom level officer), diver, scuba instructor, professional athlete, speed racer of all types flight attendants and pilots, assistant pilot, employees in casinos or casinos, employees or miners, workers in oil rigs, military, police, security personnel or disaster relief volunteers.

For more information, please contact :

Web Contact Form click here

  NOTICE

Starting from 1 October 2023, MSIG will eliminate cheque collection.

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