Apply fully online
Register your company, submit documents, choose a plan and pay — all by yourself in one system, with no agents in between.
Xens SME
Group insurance for SMEsEasy to apply,start from a small team
Look after your team with group insurance designed to be applied for online: choose a plan to fit your budget, add or remove employees during the year and let staff see their own benefits in the app.
Online application is not open yet. Pre-register now and our team will contact registered companies first when the service opens.
Why SMEs choose us
Sold directly by Xens Studio, no agents. Once the service opens, you can do every step yourself in one system.
Add or remove employees mid-year
Update the roster instantly when people join or leave during the year. Coverage runs for one year and renews continuously.
Employee portal, digital card, claims and top-ups
Employees get a digital insurance card, see their remaining balance, file claims and buy extra coverage for themselves in the app.
Coverage plans
Eight plans to choose from, to match your budget and benefit level
Main plan
All amounts in THB
| Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 | Plan 7 | Plan 8 |
|---|---|---|---|---|---|---|---|---|
| 1.1.1 Room & board per day (max 365 days) | 1,000 | 1,500 | 2,500 | 3,000 | 3,500 | 5,000 | 6,000 | 7,000 |
| 1.1.2 ICU and CCU per day (max 15 days) | 2,000 | 3,000 | 5,000 | 6,000 | 7,000 | 10,000 | 12,000 | 14,000 |
| 1.2.1 Hospital general expenses including follow-up treatment (30 days) | 15,000 | 20,000 | 40,000 | 45,000 | 50,000 | 50,000 | 60,000 | 70,000 |
| 1.2.2 Local ambulance | 1,000 | 1,000 | 1,500 | 1,500 | 2,000 | 2,000 | 3,000 | 3,000 |
| 1.2.3 Physician consultation fees (non-surgical cases) | Included in item 1.2.1 | |||||||
| 1.3.1 Surgeon's fees (as charged) | 15,000 | 20,000 | 40,000 | 45,000 | 50,000 | 50,000 | 60,000 | 70,000 |
| 1.4 Doctor visit fee per day (max 365 days) | 500 | 750 | 1,250 | 1,500 | 1,750 | 2,500 | 3,000 | 3,500 |
| 2 Emergency treatment from accident (within 72 hours, including follow-up treatment within 30 days) | 1,500 | 2,000 | 4,000 | 4,500 | 5,000 | 5,000 | 6,000 | 7,000 |
| 3 Accidental death and disablement (PA2) | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 |
| 4 Hospital cash incentive per day (max 30 days) | 1,000 | 1,500 | 2,500 | 3,000 | 3,500 | 5,000 | 6,000 | 7,000 |
| Maximum payout per plan | 200,000 | 300,000 | 500,000 | 600,000 | 700,000 | 900,000 | 1,000,000 | 1,250,000 |
Add-ons
| OPD | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Outpatient limit per visit (max 30 visits) | 500 | 1,000 | 1,500 | 2,000 |
| Major medical | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Major medical with 80:20 co-pay (excl. room & board) | 100,000 | 300,000 | 500,000 |
| Dental | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Dental (annual) | 1,000 | 4,000 | 6,000 | 10,000 |
| Accidental benefit | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Additional accidental benefit | 50,000 | 100,000 | 250,000 |
| Funeral | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Funeral expenses | 10,000 | 20,000 | 50,000 |
Premiums per employee per year depend on each employee's gender and age band. Pre-register now and our team will contact you with details for your team when the service opens.
Pre-registerHow to apply once the service opens
Five steps, all online
Create an account
Set up your company account with an email address in a few minutes.
Submit documents
Upload your company documents to verify the business in the system.
Add employees
Enter employee details yourself or import them from Excel.
Choose a plan and benefit levels
Choose a plan, set benefit levels for employee groups and receive a quote in the system.
Pay
Pay in full or in 10 instalments. Coverage runs for one year and renews continuously.
Pre-register
Leave your company and contact details now. When the SME service opens, our team will contact registered companies first.