Updated September 28, 2026 · SumCue Editorial Team
Alior vs MSIG Insurance (Thailand)
Alior
MSIG Insurance (Thailand)
Higher score in this comparison
Alior vs MSIG Insurance (Thailand): the differences
| Compare | AliorReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | PLN 15,000 | THB 299 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Travel, Home, Health |
| Provider type | Broker | Insurer |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Phone, Email, Help centre | Phone, Online claims portal, Email |
| Age range | Children from birth to 26 years of age | Not confirmed |
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Key differences
- MSIG Insurance (Thailand) scores higher overall: 9.3 vs 8.9.
- Alior is available in 1 more country.
- Insurance types: only Alior offers Life, Income protection.
- Insurance types: only MSIG Insurance (Thailand) offers Health.
- Claims channels: only Alior offers Help centre.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
- Support channels: only MSIG Insurance (Thailand) offers Email, Chat.
Our verdict on each
Alior
Alior suits savers who want an easy-access account with no monthly charge and a variable rate of 4%, above where most listed accounts sit. Deposits are covered by the EU deposit guarantee, and the same group covers cards, loans, mortgages, investing and insurance.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) suits households in Thailand that want motor, travel, home and health policies from a single insurer, and claims can start by phone, through the online claims portal or by email. Premiums start at THB 299, and support runs on email, phone and chat.
Score breakdown
| Area | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.1Premiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.3Higher |
| Trust | 8.8 | 9.5Higher |
What each covers
| Insurance types | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | Yes | Yes |
| Income protection | Yes | No |
Positions in our rankings
| Ranking | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 39 of 627 | 20 of 627 |
| Car insurance | 17 of 279 | 8 of 279 |
| Home insurance | 15 of 258 | 8 of 258 |
| Travel insurance | 25 of 278 | 12 of 278 |
Availability and regulation
| Country | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
| Thailand | Not confirmed |
Additional countries for Alior: 2. Additional countries for MSIG Insurance (Thailand): 1.
What we checked
Alior
- aliorbank.pl: 7 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- pkobp.pl: 1 fact, checked September 26, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | France | Thailand |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Loans
| Fact | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| APR | 9.15% | Not confirmed |
| Loan amount | PLN 500 to PLN 250,000 | Not confirmed |
| Term | 3 to 120 months | Not confirmed |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Funds transferred to the customer's account, possibly the same day | Not confirmed |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Credit line | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Credit cards
| Fact | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Annual fee | PLN 80 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Initial rate | 6.52% | Not confirmed |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | Not confirmed |
| Purpose | Purchase | Not confirmed |
Brokers
| Fact | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Pros and cons
Alior
Pros
- Balances are covered by the EU deposit guarantee: EU DGS up to EUR 100,000
- The account kind is easy access, and interest is credited monthly to the balance, so withdrawals do not stop the rest of the money earning
- The card listed is a credit card on points rewards, with perks covering travel insurance, concierge service and airport lounge access
Cons
- The savings rate is variable, so the headline figure is not held for a set term
- Support runs on phone and help centre only
- Borrowing runs a hard credit check, so applications need a credit file that will pass it
MSIG Insurance (Thailand)
Pros
- Claims open by phone, through the online claims portal or by email: phone, online claims portal and email.
- Motor, travel, home and health sit with a single insurer: auto, travel and home.
- Help runs on email, phone, chat and a help centre: email, phone and chat.
Cons
- Premiums start at THB 299, above €0 at bunq and €25 at Linxea.
- Cover stops at the types listed, auto, travel and home, so life and pet policies sit outside the range.
Who each suits
Alior
Who it suits
- Savers in the EU who want easy access to their money and no monthly charge
- Households that want savings, cards, borrowing, mortgages, investing and insurance with the same provider
- Borrowers who are comfortable with a hard credit check and want funds transferred, possibly the same day
Who should look elsewhere
- Finteres, at 0% to 36%, if the top of that range matters more than reaching the money
- bunq, at 3.01%, if you would rather hold savings with a different brand on a lower headline rate
MSIG Insurance (Thailand)
Who it suits
- Households in Thailand holding a car, a home, health cover or travel plans: auto, travel and home
- Readers who want to open a claim by phone, online or by email: phone, online claims portal and email
- Shoppers who want help across email, phone, chat and a help centre: email, phone and chat
Who should look elsewhere
- Price-first shoppers: bunq and bunq Spain start at €0 and €0, below THB 299 here.
- Readers who want a life or savings product: Linxea starts at €25 and covers a different product line from auto, travel and home.
- Buyers who want cover that travels with them across markets: this insurer sits in TH and writes auto, travel and home.
Current offers
Alior
Current offer
Bonus
Promocja na nowe środki - Konto Oszczędnościowe Plus (4% w skali roku do 250 tys. zł przez 90 dni): 4% p.a. on new funds up to PLN 250,000 for 90 days, then standard 0.1% (NBP reference rate /2 minus 2 pp)
Promotion 25.09.2026 to 07.01.2027; reference day 24.09.2026; 90-day promotional period from the first deposit of new funds; new funds = balance above the total on deposit accounts with the same owners on the reference day; adults only; not combinable with other new-funds promotions on the same savings account; not applicable to Rachunek Oszczędnościowy (closed 31.01.2017) or Konto Oszczędnościowe Progres Adm (closed 19.04.2015); accounts must have been opened on or after 27.06.2025.
Source, checked September 26, 2026
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | Alior | MSIG Insurance (Thailand) |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Thailand | No | Yes |
Questions about each
Alior
What rate does the Alior savings account pay?+
The account pays a variable headline rate of 4%, above the site median of 3% and above bunq at 3.01% and Wise at 3.29%. The rate type is variable, and 53.9% of the accounts listed pay a variable rate, so this is the standard structure here.
Is there a monthly fee on the account?+
The savings account runs on the no monthly fee model, so the monthly fee is listed as PLN 0 and nothing is charged for keeping the balance. Interest is credited monthly to the balance, so deposits and withdrawals carry on earning between credits.
MSIG Insurance (Thailand)
What is the entry premium?+
Premiums start at THB 299 on the seasonal disease plan, the simplest product in the range. The other lines, auto, travel and home, are priced separately, so that figure sits at the bottom of the range rather than in the middle of it.
Is MSIG a bank?+
No. insurer reads insurer, and the legal entity is MSIG Insurance (Thailand) Public Company Limited, based in Thailand. Policies are underwritten and paid by the insurer itself, so the money sits with a single company rather than a bank.
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