What is Group Insurance?

Group insurance is coverage for employees under the same policy by considering risks of the group of employees including age, gender, roles and responsiblities, and sum insured. One premium rate will be calculated and applied to all insured members which leads to lower expense of insurance and lower premium than individual life insurance in overall. Good employee welfare can attract and retain good employees because it gives comfort towards employees. In case of accident, illness or disability, employees will receive coverage fully and appropriately. Besides low premium of group insurance, coverage period is also suitable for firms, private companies as well as government agencies which have annual performance summary whereby business owners will pay premium for employees as morale support.

Group Life Insurance Coverage

It cover all cases of death including illness or accident throughout 24 hours locally and internally. Once an insured passes away, the Company shall pay sum insured to a beneficiary or the insured's heir.

Strong Points of Our Group Insurance

  1. We are one of the largest life insurance company with the biggest group insurance client base.
  2. We have experience in providing group insurance service for more than 40 years and we can effectively provide advice about group insurance.
  3. We promptly provide services with clear steps and specified timeline as guaranteed by ISO 9001:2015 (specific for group insurance).
  4. We have policy service to reduce cost of clients and shorten working steps of human resources department.
  5. We have flexible service to meet client needs.

Group Insurance Coverage

  1.  Acupuncture (in case of receiving the treatment in a hospital by modern medicine)
  2. HIV treatment (except group CI)
  3. OPD physical therapy according to the physician's order

Group Accident Rider

It covers death or dismemberment from accident including accident which is due to riding or being a passenger on a motorcycle, and it is a direct cause of death or dismemberment of the insured within 180 days from the date of accident.
1. Group Accident Rider 1(1)
2. Group Accident Rider 2(1)
3. Accidental Treatment Expense Rider(1)

Group Disability Rider

It covers in case the insured has injury or illness which causes the insured to have total and permanent disability, or permanent disability 

  1. Disablity Insurance due to Accident or Illness (TPI)
  2. Disablity Insurance due to Accident

CI Group Insurance

It covers in case the insured is diagnosed with critical illness or receives surgery according to critical illness coverage which is in accordance with the definition of the illness stated in the rider. In this regard, after the Company has received medical evidence of the illness or surgery that is sufficient for the diagnosis, the Company shall pay benefit according to the sum insured amount of this rider to the insured and the coverage of this insured according to this rider shall end.

Group Health Rider

  1. IPD Health Insurance
  2. OPD Health Insurance
  3. Dental Care Benefit
  4. Maternity Benefit
  5. Major Medical Benefit

Remark

(2) Schedule of Group Accident Rider 2

For compensation payment according to the items 1 and 2, the Company shall pay only one time for the item with the highest amount per any one accident except for a case of total and permanent loss of thumb or toe according to the items 2.8 - 2.15 and is not able to claim for compensation according to the items 2.1 - 2.5 which the Company shall pay compensation in accordance with the actual loss of each item in total, but not exceeding the accident sum insured.

Schedule of Group Accident Rider 2.1

For compensation payment according to the items 1 and 2, the Company shall pay only one time for the item with the highest amount per any one accident except for a case of total and permanent loss of thumb or toe according to the items 2.8 - 2.15 and is not able to claim for compensation according to the items 2.1 - 2.5 which the Company shall pay compensation in accordance with the actual loss of each item in total, but not exceeding the accident sum insured.

Group Accident Rider 1 and 2 The Company shall not cover death, dismemberment and loss of eyesight due to any of the following causes.

1. War (whether declared or undeclared), invasion or act of foreign enemy, civil war, revolution, rebellion, insurrection, riot, strike, act of terrorist (except coverage extension for riot, strike as stated in the benefit schedule)
2. While the insured is hunting in a forest, engaging in car or boat racing of any kind, horse racing, skiing or ski racing of any kind, skating competition, boxing, parachuting (except for the purpose of life saving), while boarding or disembarking or traveling in a balloon or gliding, bungee jumping, mountain climbing that needs climbing tools, diving by using oxygen tank and breathing apparatus
3. Act of the insured while under the influence of alcohol, narcotic drugs or addictive substances that impairs the mental faculty. The term “under the influence of alcohol” is in case of having blood alcohol concentration (BAC) test result of 150 mg/dL or over, etc.

Accidental Treatment Expense Rider

It covers in case the insured has accidental injury which needs treatment from a physician or hospitalization, the Company shall pay compensation for medical treatment expense which incurs within 52 weeks from the date of accident according to the actual amount, but not exceeding the specified maximum benefit amount deducting by the deductible as stated (if any).

Exclusions of Accidental Treatment Expense Rider: The Company shall not cover medical expenses due to accident arising from any of the following causes.

1. War (whether declared or undeclared)
2. While the insured/insured member is hunting in a forest, engaging in a car or boat racing or horse racing, water skiing, skating, parachuting, polo playing, professional boxer
3. Act of the insured/insured member that causes accident while under the influence of alcohol, or dangerous narcotic drug that impairs the insured’s/insured member's mental faculty 
4. Exposure to bacteria unless it is disease infection with pus or tetanus or rabies as a result of accident wound

Enquiry

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