Health group insurance is a type of plan that provides coverage to a group of people, including company employees or members of an institution or organisation. It is also called the corporate health insurance policy given to each employee, which their employer pays for. Many insurance providers, such as the Niva Bupa health insurance, provide good coverage in different types of group health insurance plans.
Employees are the backbone of any organisation, so having health group insurance is very important for any company. A secured employee is motivated and always does better at their job. Also, health group insurance reduces employee turnover rates and makes the employee faithful. The companies can also avail of income tax deductions if they provide health insurance to their employees.
Pointers to keep in mind about Health Group Insurance
Since it is obvious that the health group insurances are a good way for the organisation as well as the employees to benefit, here are ten things that employers, as well as employees, should know about these health group insurances:
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All ailments are covered right from the start
Most health group insurance policies will not require a waiting period and cover every medical condition from day one, including co-morbidities. However, some policies that can have a waiting period of a few months, but it is still lesser than any personal medical insurance.
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Special provisions for maternity
Health group insurance policies also provide maternity cover. In most cases, there is a waiting period of 9 months. However, there are some policies where this waiting period does not apply. This maternity benefit is for the employees and their spouses and will cover most of the expenses of child delivery. The benefits also cover infertility as well as medical termination of pregnancy charges.
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Affordable premiums
The premium price for the health group insurance, such as niva health insurance, is affordable and usually up to 30% lesser than the personal insurance plans. It makes them affordable for the employer. Also, since providing health group insurance saves taxes, the process can be mutually beneficial for the owner and the employee.
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Coverage includes multiple expenses
The health group insurance cover includes accidental hospitalisation, COVID-19 care, illness-relate hospital care, daily hospital expenses, cover for critical illnesses, surgery expenses, ambulance coverage, and psychiatric care. The inclusivity of a health insurance can differ, but these are some of the basics that one can find. The cover is not just for the employee but also for their family members and dependents.
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Coverage does not include family members and alternate therapies
Group insurance policies generally do not cover the parents of the employees. Additionally, in some policies, treatments from alternative medicine such as Allopathy and homoeopathy are not include. Cosmetic procedures do not come under health insurance. Also, congenital diseases, AIDS treatment, and self-inflict health conditions are not cover. Self-inflicted health conditions include self-harm, drug, and alcohol abuse, etc.
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Group Health Insurance can be customized
The companies can customise the health insurance plans to suit their employees. The plans can include family insurance or personal insurance as per the requirement of the employee.
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Cashless facilities and direct settlement with hospitals
The health insurances are auto-settle with the hospitals. The entire process is cashless and swift in most cases.
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Terms and conditions attach
Some terms and conditions are written in policy’s fine-print and might go unnotice by the employees. It is important to understand these terms to know the overall benefits of the group health insurance. Certain pre-and-post-hospitalisation therapies are not cover in the health insurance. Also, there can be a limit on the hospital room rent and the room type. The insurance might only provide you with a minimum room rent coverage, and you might have to spend extra money from your pocket
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Prerequisites
There are certain prerequisites that the employee needs to fulfil before being eligible to make a claim. These include doctor’s prescription, medical reports, final bill, claim form approve by the hospital, discharge summary, proof that the current condition was not because of self-harm behaviour, and other documents request by the health insurance providers.
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Limited to employment tenor
The group health insurance is only eligible for an employee and their dependents till they are a part of the organisation. As soon as they quit, the insurance becomes invalid.
To sum up
Health group insurance cover is a benefit that the organisations provide to its employees to give them a sense of security to work without worrying about healthcare expenses or medical emergencies. Numerous medical insurances such as Niva Bupa Health Insurance policy provide multiple benefits to its holders, including maternity cover at minimal wait period for the employees. Lately, health insurance helps obtain good medical treatment, where hospital treatments are very costly.
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