top of page
FAQ Structure
5 FAQ Categories
Choose a category above to view detailed FAQs below
หมวด
1) FAQ Categories
Select the category you want to read
General questions
For HR
Price and budget
Coverage
Request a quote
2) FAQ Detail Section
Frequently Asked Questions Details
general-faq
1. คำถามทั่วไป General FAQs
Generally, group health insurance can be started within an organization.For companies with approximately 5 or more employees.For small organizations, Paragon5 can help suggest a plan.Tailored to the number of employees, budget, and required coverage.To make it easy to get started.And within the organization's budget.
Group health insurance is suitable for companies that want to systematically take care of their employees.Whether it's a small, medium, or large business.Especially for organizations that want to boost employee confidence.Reduce your worries about medical expenses.And use welfare benefits as a tool to retain talented individuals in the long term.The Paragon5 team can help recommend a map that suits your organization's size.The number of employees and the company's budget were considered.
You can start now.If the organization has a limited budget.It's recommended to start with the basic coverage first, such as:• Hospital treatment costs• IPD, or inpatient.• Basic coverage that employees can actually use.Then consider adding OPD and Dental services.Or other supplementary coverage in the future.The Paragon5 team can help design the plan.To fit the organization's budget.With a focus on making it practical for employees to use.And the company can provide ongoing support.
Depending on the size of the organization and the budget.And the level of complexity of the welfare benefits required.FlexiPack is suitable for small to medium-sized organizations.5-49 members who want to start a cost-effective group health care program.Easy to manage and good budget control.Max Health is suitable for medium to large organizations with 30-1,000+ members.For example, those requiring more detailed design plans:• Separate plans according to employee level.• Control long-term welfare costs.• There is a system to help manage welfare information.• Supports more complex organizational structures.If you're still unsure.The Paragon5 team can help estimate based on the number of employees.The budget and needs of the organization have been considered.
Group health insuranceIt is a benefit that the organization provides to its employees.To help cover medical expenses.For example, room charges and hospital treatment costs.Outpatient expenses and additional coverage as per the selected plan.Suitable for organizations that want to take care of their employees.Reduce your worries about medical expenses.And create a positive image as an employer.
hr-faq
2. For HR Teams
The main information that HR should prepare includes:• Total number of employees• Age and gender of the employee.• Budget per person or total budget per year.• Desired coverage, such as IPD, OPD, Dental, Accident.• Existing insurance plan, if the company already provides one.• Previous claim history, if available.If the information is incomplete.The Paragon5 team can help advise you.Where should we start collecting data?To submit a request for a quotation.It can be done quickly and within the organization's budget.
The e-Benefits system helps HR manage employee benefits.It has become more convenient and systematic.such as• Add or remove employees from the list.• Check your coverage rights.• Reduce paperwork.• Reduce the need to answer repetitive questions from staff.• Helps to keep welfare information more up-to-date.This gives HR more time.In managing critical human resources and organizational functions.
Generally, this can be done through the online system (eBenefit).According to the terms and conditions of the policy and the chosen insurance plan.such as• New employees• An employee resigned.• Change employee status• Update the list of names to ensure it is current.The Paragon5 team can help guide you through the process.And the information needed to update the list.To provide protection for employees' rights.Accurate and consistent.
Some plans allow employees to check their eligibility.Via online channels or the supported AIA+ application.such as• View your coverage details.• Check the insurance plan information.• View service usage information.• Reduce the need to ask HR for basic information.This method helps employees better understand their rights.And it also helps reduce the burden of answering HR's questions.
You can check this on the AIA+ app, or the Paragon5 team can help provide initial guidance.Regarding the use of rights and the claims process.such asRequired documents• Steps to claim your rights.• Initial coordination• Guidelines for HR and employees.The goal is to help HR avoid having to bear the burden of handling everything alone.And it helps employees get clearer answers.
pricing-faq
3. ราคาและงบประมาณ Pricing & Budget
Group health insurance premiums are not calculated solely based on the number of employees.However, several factors will be considered together, such as:• Number of employees• Age and gender of the employee.• Selected level of coverage• Room charges and medical coverage limit.• Do you have outpatient (OPD), dental, or other supplementary coverage?• Type of business of the company.• Previous claim history, if any.Therefore, each organization may receive different insurance premiums.The Paragon5 team can help with an initial assessment.And recommend plans that fit the organization's budget.
If the organization has a limited budget.It is recommended to start with the basic coverage first.such as• IPD, or inpatient treatment costs.• Hospital room and treatment costs.• Basic coverage that employees can actually use.Then consider adding OPD and Dental services .Or other supplementary coverage in the future.The goal is to choose a plan that employees can actually use.And the company can provide ongoing long-term support.
okayOrganizations can set a budget per employee.Or, set the total budget for the entire year first.Then the Paragon5 team will help to look into it.What type of coverage is suitable for that budget?such as• Focus on hospital treatment costs.• Add OPD (Outpatient Department) options for employees.• Separate plans according to position level.• Adjust coverage to fit your budget.This method helps organizations control costs effectively.And don't choose a plan that is more than necessary.
Because the workforce structure and risk profiles of each company are different.Factors that cause insurance premiums to vary include:• Average age of employees• Total number of employees• Gender ratio• Business type• Selected level of coverage• The organization's previous claims history.Even though the number of employees is similar.Insurance premiums may also vary.The Paragon5 team will help review the organization's information.To recommend a plan that is suitable in terms of both coverage and budget.
If the insurance premium increases in the following year.There is no need to immediately terminate coverage.We should start by reviewing the original plan, such as:• Check claim statistics.• See which coverage options are being used the most.• Compare the insurance premiums with the benefits received.• Restructure the plan to align with the new budget.Some organizations may choose to separate plans based on employee levels.Adjust some of the budget or design a new plan to better control costs.The Paragon5 team can help analyze the original plan.And offer suitable options before renewing the policy.
coverage-faq
4. ความคุ้มครอง Benefits & Coverage
IPD refers to coverage for hospitalization.Inpatient cases, such as hospitalization or surgery.Or for illnesses that require hospitalization.OPD refers to coverage for outpatient treatment.For example, visiting a doctor, getting medication, or having a general medical check-up.Without needing to be hospitalized.Organizations can choose to have only IPD (Inpatient Department) services.Or add outpatient (OPD) coverage to give employees more comprehensive benefits.The Paragon5 team can help suggest that...What type of protection should your organization start with?To suit the budget and the actual needs of the employees.
The room rate should be chosen to suit the level of the hospital.Where employees are most likely to use the service.Factors to consider include:• Employee workspace• Private hospital near the company.• Employee's position level• The organization's welfare budget.• The company's image as an employer.If you choose a room rate that is too low.Employees may have to pay the difference themselves.The Paragon5 team can help estimate the room cost.To suit the space and actual usage in the hospital.And the company's budget was met.
Yes, you can add more.Dental coverage is a practical employee benefit.And it helps increase the sense of value for the group insurance plan.Examples of optional additional coverage include:• Teeth scaling• Tooth filling• Tooth extraction• Basic dental check-up and treatment.This depends on the plan and terms and conditions of the insurance company.The Paragon5 team can help determine if...Should the organization add "Dental" to its name?Taking into account the budget and employee needs.
Yes, you can add more.It depends on the organizational structure, plan, and needs.Additional coverages that organizations often consider include:• Accident• Disability• Serious illnesses• Daily compensation• Life insurance coverageSome organizations choose to provide this to all employees.Some organizations choose to add only certain job levels.The Paragon5 team can help design supplemental insurance coverage.To suit the level of risk and the nature of the work.And the organization's budget.
In many cases, employees can exercise their healthcare benefits.No upfront payment required.Generally, this requires using services from a hospital within the network.With over 1200+ locations and subject to policy terms and conditions.Things to check before exercising your rights include:• Is the hospital part of the network?• Does the coverage include medical treatments?• Is there sufficient credit available?• Is prior approval required before treatment?The Paragon5 team can help provide initial guidance.Regarding the exercise of rights and the procedures that should be checked.To give HR and employees more confidence in using it.
quote-faq
5. ขอใบเสนอราคา Request a Quote
The basic information you should prepare includes:• Total number of employees• Age and gender of the employee.• Budget per person or total budget per year.• Desired coverage, such as IPD, OPD, Dental, Accident.• Existing insurance plan, if the company already provides one.• Previous claim history, if available.If the information is incomplete.The Paragon5 team can help advise you.Which piece of information should we start with?In order to prepare a quotation.Matches the number of employees and the budget.And the organization's goals.
Quotation preparation periodThis depends on the completeness of the information received.If the employee information and desired coverage are complete.Our team will be able to help coordinate and prepare quotations more quickly.Complete information will help to make a more accurate assessment.Reduces rework and helps organizations make easier decisions.
okayThe Paragon5 team can help review your existing group insurance plan.And it can be compared with the new alternatives.Based on...• Insurance premium• Coverage• Room charges and coverage limit.• Outpatient (OPD), Dental, and Supplementary Coverage• Claim conditions• Fit within the organization's budget.To give the organization a clearer picture.Before deciding to renew or adjust your plan.Or change your group insurance plan.
If you're still unsure about which plan to start with...It is recommended to start with basic information about the organization.such as• Number of employees• Average age of employees• Budget that needs to be controlled.• The type of coverage I want.• Problems with the original plan, if any.Then the Paragon5 team will help evaluate whether...What type of plan should an organization start with?For example, FlexiPack is for organizations that want to get started easily.Or Max Health for organizations that require a more detailed plan design.
Paragon5 can be contacted through several channels.• Fill out the form on the website.• Contact us via LINE OA.• Send preliminary information via email.• Call and consult directly with our consulting team.After receiving initial information.The Paragon5 team will help assess the organization's needs.And suggest the next steps appropriately.If you are not yet ready to send all the information.We can start with an initial discussion.
Need more help?
Find the right fit
bottom of page