Looking For An Employee Health Insurance For Your Company?

Offering a comprehensive employee health insurance policy is a great strategy to retain employees. It proves to be beneficial for both employees and employers wherein they can claim tax benefits and leverage other perks as well.

However, before choosing such a plan, employers need to consider a few factors to avail the best option at hand.

Following the tips mentioned an employer can purchase the best employee health insurance policy that provides maximum coverage and a host of additional benefits.

Check the claim process

Getting claims settled on time is a crucial factor that you need to consider as an employer. Since multiple employees from different age groups are incorporated into a single policy, it is essential to check the claim process. Alongside, also consider the exemptions and deductibles that are applicable to such a policy.

Know the hospital network

Employees can avail cashless treatment and other services through an insurance policy only from the pre-defined list of network hospitals. Hence, it is necessary to check the list of hospitals that your insurance plan covers.

Choose coverage carefully

Since the affordability of quality healthcare is going through the roof, you need to choose a health insurance policy for employees that is sufficient to cover maximum medical expenses. Selected insurance aggregators offer coverage of up to Rs.50 lakh for every member of a group.

Read all policy documents

After purchasing an employee health insurance policy and paying the premium, you will get policy documents, and health cards for every member included. These generally have all insurance policy-related terms, conditions, duration, etc.

If you find any discrepancy in the documents, contact the insurer immediately for correction. Otherwise, the healthcare provider can deny providing these services later.

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