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Group health cover for congenital diseases

It is possible that in reading insurance policy documents, you have encountered the term ‘congenital diseases’ cover in Group health insurance. This post attempts to help you understand the term better and situate it in the context of group medical insurance. Group health congenital diseases What are Congenital diseases? Diseases that exist at the time […]

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Deductible in group insurance policy

Deductible in a group insurance policy Many companies purchase group insurance policies for their employees to help with medical expenses. However, many employee insurance schemes have a deductible clause. This post helps to understand the deductible clause and its implications. The deductible clause A deductible clause specifies a monetary sum that the employees will have […]

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Family cover in group health insurance

This post sets out to clarify the interpretation of family in group health insurance. It also examines the implications of extending medical insurance cover to the families of employees. Family in the group health insurance context A group health insurance policy often extends cover to the families of group members in addition to the members […]

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What are maternity benefits available in group health insurance plans?

Contrary to individual health policies, the following maternity benefits are available under the group health insurance plans: Age-related complications in delivery No waiting period for covering pregnancy Hypertension due to pregnancy and gestational diabetes Pre-existing diabetes or hypertension Higher chances of Cesarean delivery due to uterine inertia Miscarriage occurring in the 2nd or 3rd semester […]

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Should You Include Dependent Parents of Employees in Group Health Insurance?

Allowing the inclusion of parents of employees under the group health insurance policy has its own advantages and disadvantages. While including them or not should entirely be your decision, understanding the implications will help make an informed decision. Advantages of Inclusion Disadvantages of Inclusion A great relief to the employees Increased claim rate Very few […]

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What Are Additional Benefits Available Under Group Health Insurance?

A group health insurance policy provides standard cover to employees of a firm or members associated with a group. The employer can bear the premium cost (in the case of employer-employee relation) or the group members jointly can do so. Top-up covers are available to an employee, which then makes it a contributory plan. This […]

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The 5 Health Benefits That You Can Offer to Your Employees

Health care is the most important benefit that you can offer to your employees. Employees value health benefits and consider them the second-best thing next to monetary compensation. It gives the employer the added benefit of being able to employ and retain the best talent in the organization. Further, healthy employees drive the success of […]

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Multiple individual plans or one group health plan?

Multiple individual plans or one group health plan? A group health insurance plan is an effective tool to increase employee motivation. Most employers avail of a single group mediclaim policy that covers all their employees. However, you could also opt for a different approach and have multiple individual insurances for employees. While such a decision […]

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