What can employees do to get their employer to provide better group coverage?

1. They can ask their employer for permission to invite E-InsureThailand in to bid on the group insurance needs of the company or school. If the employer agrees to meet with me, the employee can then call or e-mail me and fill me in on anything I need to know before contacting the employer.
2. If the employees are not comfortable approaching the employer about group coverage, they can just contact me and give me all of the information I need to know to approach the employer.

If the employer is willing to listen, but unwilling to pay more to upgrade the coverage, which will most likely be the case, we will work out ways to improve the coverage without increasing the employer’s cost.

If the employer refuses to upgrade the group coverage, then employees can supplement that coverage with a low cost Major Medical policy available from E-InsureThailand. This coverage would take over when the basic benefits were used up and would pay 90% of the additional costs up to a maximum of 1,500,000 baht.

What can the employees do if the employer just absolutely refuses to provide any type of group medical insurance coverage? They can provide it themselves, and not get the employer involved. But, there must be at least 5 or more employees willing to participate. And, one of the group members must be willing to assume the role of “Administrator”, with assistance from E-InsureThailand. The only disadvantage to this is that they would have to pay for their coverage themselves, without employer assistance, and their premium would have to be paid annually.

The advantage would be that group coverage would still be cheaper than personal coverage. Since the premium is determined by group size, the bigger the group the lower the cost. Family members can be included in the group to increase the size and lower the cost per group member. And, since the group has no ties with any employer, group members can change jobs and still keep their coverage, as long they keep paying the annual premium.

We can also provide coverage like this for established clubs and associations. Information on this can be found on our website. www.e-insurethailand.com