Employee Benefits

Our Employee Benefits consultants can help you get the very best from your benefits budget

Employee Benefits

Employee benefits strategies designed for your organisation and people

Every business has unique needs and challenges in today's competitive job market in Thailand, where attracting, nurturing, and retaining the best employees can give you an edge over the competition. That’s why, whether you're a multinational corporation or a single-site SME, we have the team you need to design and implement an employee assistance programme that aligns with your organisation's goals and values. From handling employee inquiries and training to settling claims disputes, we’ve got you covered throughout.


Want to give your people more, without paying more?

Comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price

Intensive review of your programme

Do people use their benefits? Does the business see a positive effect? Could you get better value another way?

Never cutting corners, always buying smart

We aim for more peace, for less premium. We'd hate to do a deal that's cheap but with nasty surprises built in.

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Claims analytics solving business problems

Help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims.

Need help with your employee benefits insurance programme?

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What makes a good Employee Benefits insurance programme in Thailand?

This policy provides compensation as an employee benefit in the event of insured employees sustaining injuries from only an accident while they are working or engaged in other activities 24 hours a day, 7 days a week, resulting in death or disablement, whether temporary or permanent. This policy is also available to groups of persons and is known as a group personal accident policy. Employees are generally categorised into plans that provide different levels of benefits. A group discount is also available for specific groups depending on the size of the group.

Employees are considered major key success factors for the organisation. A decent employee benefits programme, including life and medical insurance plans, is often seen as a key employee benefit and can help reduce staff turnover in a competitive industry where there is a shortage of skilled labour. Employee benefits are generally categorised into plans that provide different levels of benefits. Senior management is placed into the highest benefit plan, and so forth. Group health insurance programmes are always designed to match the organisation's requirements, varying based on coverage requests, size of employees, plans, and budget. Most programmes cover room and board, hospital services, surgeon's fees, emergency treatment, ambulance service, and outpatient follow-up. Some may include options like personal accident, outpatient cover, maternity cover, and major medical.

When embarking on business trips or family vacations worldwide, ensuring the protection of yourself and your employees is crucial, especially when travelling to remote areas. Group travel insurance typically provides coverage for overseas medical expenses, baggage, money, liability, personal accidents, and loss of deposits for employees travelling on the Insured's business. Some insurance companies may offer additional coverage such as travelling assistance worldwide call centre, emergency evacuation service, repatriation of mortal remains back to Thailand, and emergency purchase of essentials in case of flight delays. This policy is often purchased on an annual basis to cover all business travel during the period.

Thais place a great importance on medical insurance. Offering comprehensive health insurance, including maternity care, inpatient and outpatient treatment and dental care, to employees and their families can make a big difference in a benefits package.

A common practice in Thailand is to offer life insurance to employees. When an employee passes away or becomes incapacitated, this provides their family with financial support through a benefit called "death in service.

Benefits for maternity is offered in Thailand to assist workers during important life events. These benefits may be customised to your workforce's varied needs, encouraging diversity and assistance for newlywed.

The prevalence of benefits also sheds light on any existing gaps in coverage and the programmes offered, particularly since this benefit is considered highly prevalent in the Thai employer market.

In the case of Total Permanent Disability (TPD), it is defined as a condition that persists for a continuous period of not less than 180 days due to sickness or accident.

Maintaining a good work-life balance is highly valued in Thailand, thus it is essential to promote employee well-being there. Providing wellness benefit options, such mental health support programmes, and wellness programmes, can lower absenteeism and turnover while increasing employee productivity and engagement.

A simple employee benefits review exercise with Howden can help you get more for your money, boost productivity in your team and push ahead of the competition.


Tailored for you

Employee benefits say a lot about your company and the emphasis you give to looking after your staff. The rise of employer reviews sites means job seekers and employees can now easily compare perks from one company to another.

"The best talent will always have options. If you’re serious about attracting talent and keeping the best people, our consultants can help you get the very best from your benefits budget, and really help you stand out in a crowd".

Review your employee benefits insurance programme
At Howden, we'll dive deep into your employee benefits insurance programme. What insights would a thorough analysis uncover? Are your employees actively utilising these benefits? Is the business seeing positive outcomes? And is it worthwhile to reconsider the current offering to explore potentially better value alternatives?

More peace, less premium
Want your people to have greater peace of mind? Don’t want to pay more for it? We can work out comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price.
The emphasis is always on quality rather than price – never cutting corners, always buying smart. The last thing we’d want to do a deal that’s cheap but has nasty surprises for your people when they try to claim.

Using claims analytics to solve business problems
We can help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims. For example, deep claims analytics could reveal a lot of your claims relate back to stress. We can help you review the situation and find solutions, helping cut unnecessary stress to improve productivity and wellbeing at the same time.    

Speak to us about how other companies are using these insights. 

Communications support – if employees don’t know, then there’s no benefit
Is your team communicating the benefits offering well? In terms of attracting and retaining staff, communication is crucial – and frequently overlooked.

You cannot simply buy the employee benefits insurance and assume your work is done. 

We assist with internal communications, helping draft memos to ensure that your staff understand the benefits to which they are entitled. We are also happy to run workshops at your workplace and provide bespoke handbooks, even training your recruiters and hiring managers to ‘sell’ your company to prospective employees. 

Ongoing support
Employee Benefits isn't the kind of policy that you buy and then forget about. As your employees make the most of their benefits, regular communication with the insurer will be necessary. As a Howden client, you will have at least two designated account handlers from our expert team, who will be available to offer you support, advice, and representation throughout your policy duration. We offer:

•    Administration of premium billing and supporting member list
We will ensure the accuracy of the premium calculation before sending over to you for settlement. 
 •    Administration of claims documents
We will pre-screen claims documents before they are submitted to the insurance company, to ensure that they contain all data necessary to process the claim. 
•    Setting dispute claims
As your consultant and broker, we represent you and your staff on issues arising throughout the policy term - for example, claim settlements and staff enquiries. Our ultimate aim is to secure the best interests of your company and to ensure the members’ interests are well protected. 

We're here to help

Get in touch to learn more about how we can help your business. Please complete the form below and one of our Employee Benefits consultants will contact you.

We're here to help

Get in touch to learn more about how we can help your business. Please complete the form below and one of our Employee Benefits consultants will contact you.

Are you an existing Howden customer?