Salaryman, choose insurance that is worthwhile and fits your lifestyle.

For all salaried employees, the daily work life that has to compete with time and various expenses sometimes makes us overlook important matters such as planning for our own protection.

Do you know that these days? "guarantee" There is not just one type, but a variety of types designed to meet the different needs of each person. So, what kind of insurance should we, as salaried employees, choose?

First of all… ask yourself: “What are our biggest concerns?”

If you are worried about the people you leave behind: You are afraid that if we are no longer here, the people you love will suffer.

If you want to save money: Look for a stable savings channel that gives returns.

If you are worried about retirement: You want to have money to spend comfortably when you are no longer working.

If you are afraid of medical expenses: Worried that if you get seriously ill, there will be a lot of expenses.

If you are worried about serious illnesses: You are afraid of having serious illnesses that will affect your savings and life.

If you live a risky life: travel frequently, do activities that may cause accidents

Now that you know your concerns, let’s take a look at the types of insurance that are interesting for salaried workers.

7 types of insurance that salaried workers should know about

1. life insurance : It is like having a “net” to take care of your loved ones. If an unexpected event occurs and you die, the person you have designated (the beneficiary) will receive a lump sum to spend. Life insurance is therefore very suitable for people who have a family, parents, wife, or children to take care of.
2. Endowment Insurance: like "piggy bank" It offers more than just savings because in addition to getting the money back when the contract matures, if an unexpected death occurs, the beneficiary will also receive compensation. Therefore, it is a good choice for those who want to save money while having protection.
3. Pension Insurance: like “Reserve salary” For retirees, it helps us to have money to spend comfortably after retirement, whether it is a lump sum or monthly/yearly money. Suitable for those who want to plan their finances long term.
4. Health insurance: like “Protective armor” Medical expenses are getting more and more expensive. Having health insurance helps ease the burden of expenses when you get sick. You don't have to worry about doctor's fees, medicine fees, especially for salaried employees who may not have comprehensive welfare.
5. Critical illness insurance: Like“Financial vaccine” For critical illnesses that may occur, receive a lump sum coverage when a critical illness is detected as specified in the policy. Although the premium may not be very high, it provides a high coverage amount, allowing us to have money to treat ourselves and take care of ourselves without worrying about the expenses.
6. Accident insurance: like “A caring companion” Covers medical expenses, compensation in the event of an unexpected accident. Suitable for people who travel frequently or engage in activities that may be risky.
7. Travel Insurance: like “Personal assistant” For every trip, we provide coverage throughout the trip, whether it's a cancelled flight, lost luggage, illness or accident. Easy to buy online, insurance premiums in the hundreds but coverage in the millions.

So, which type should we, as salaried employees, choose? In reality, there is no insurance that is best for everyone. Choosing the right insurance depends on each person’s needs and lifestyle.

• Start working: You may want to focus on health insurance and accident insurance first to prevent basic risks that may occur.
• Starting a family: Life insurance and health insurance may be the first priority.
• Want to have long-term savings: Try looking at savings insurance or pension insurance.
• Worried about serious illness: Critical Illness Insurance is something you should have.
• Travel frequently: Don't forget travel insurance.

Easy tips for choosing insurance

1. Explore your needs: Ask yourself what your biggest concerns are and what protections you need.
2. Consider your budget: Choose insurance with premiums that are not too high to affect your daily expenses.
3. Study the information: Read the details of coverage, conditions, and exceptions of each insurance plan to understand it.
4. Compare: Try different companies and different types to find the coverage that suits you best and offers the best value.

For those interested, you can choose to buy life insurance, health insurance, property insurance or study more information at the 25th Bangkok Money Expo MONEY EXPO 2025 BANGKOK under the concept of "Resilient Wealth" which the Bank Finance Journal will organize on 15-18 May 2568 at Challenger 2-3, Impact Muang Thong Thani, opening 7 zones of complete financial and investment services along with a host of special promotion campaigns from banks/financial institutions/asset funds/insurance companies/government and private agencies, along with seminars from famous gurus in Thailand and many entertainment activities.