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.

BenefitSum Insured (Baht)
Murder or assault50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Driver or passenger of motorcycle50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Riot and strikes50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Cremation expenses following an accident10,00020,00030,00030,00030,00030,00030,00030,00030,00030,000
Medical expense10,00020,00030,00040,00050,00060,00070,00080,00090,000100,000
Sabai Dee CardYesYesYesYesYesYesYesYesYesYes

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.

BenefitSum Insured (Baht)
Loss of life, dismemberment, loss of sight, loss of larynx (voice box) or total permanent disability100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Murder or assault50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Driver or passenger of motorcycle50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Riot and strikes50,000100,000150,000200,000250,000300,000300,000300,000300,000300,000
Cremation expenses following an accident10,00020,00030,00030,00030,00030,00030,00030,00030,00030,000
Medical expense10,00020,00030,00040,00050,00060,00070,00080,00090,000100,000
Sabai Dee CardYesYesYesNoYesYesYesYesYesYes

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.1Premium per person/year (Baht)
Office employee3405507509501,1501,3901,5901,7501,9502,190
Employee who works outside the office5809301,2001,5001,8502,1502,4502,7503,0003,400
Employee who works with machinery7601,2001,6202,1002,4902,8503,2203,5904,1004,400

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.2Premium per person/year (Baht)
Office employee3806308801,1201,3501,6201,8502,0502,2902,1550
Employee who works outside the office6501,101,5101,8802,2902,5402,8903,2903,6504,100
Employee who works with machinery8701,4501,9902,5503,0003,5004,1204,4504,7505,450

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

A: Yes. MSIG Group Personal Accident Insurance for Small and Medium Enterprises is specially designed for SMEs. Coverage is available starting from 5 employees, with premiums as low as 5,000 THB per policy for plans that include medical expense benefits. It’s a cost-effective solution for small businesses that want to take care of their staff.

A: Yes. The MSIG Group Personal Accident Insurance for Small and Medium Enterprises provides worldwide coverage, 24 hours a day. Employees are protected no matter where they are or what they are doing — both during and outside of working hours. This ensures peace of mind and safety for your staff at all times.

  NOTICE

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

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