Different Approach Towards Group Health Insurance

The main motive for providing group health insurance to the employees is to offer them financial protection in case of an unforeseen medical emergency. Before the pandemic, companies used to have a traditional approach towards offering group plans to employees that can be termed as “One fit for all” however, after the Covid-19 outbreak things related to medical coverage started to change for good.

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*Premium starting from ₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST)
#Premium may vary on the basis of coverage type & add-ons
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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Disclaimer: The above plans and premiums are for 1 Lakh sum per life per month covering Health and Wellness needs of 7 Employees, 5 Spouse & 2 Kids below 35 years of age. The premium is inclusive of GST and do not cover PEDs & Maternity. Standard T&C Apply PolicyBazaar does not rate, endorse or recommend any particular insurer or insurance product offered by the insurer.

Traditional Approach to Group Health Insurance

Talking about the traditional approach in group medical cover, everything used to rely on the company. From selecting the insurance plan to setting the sum insured amount to selecting the inclusions. Since “One fit for all” approach cannot work for each employee as everybody has different medical conditions, the companies have to take a different approach to provide group plan coverage.

Health Insurance Assurance

Since the insurance sector is changing for the better after the Covid-19 outbreak, employers are also trying to provide better service and fulfilling the demands of their employees as quickly as possible, however, there are still miles to go and to witness the several other changes in the concept of providing insurance-related services.

It is because the employees have become more serious about their health than ever and started asking about the kind of coverage they are getting in their health plan which is provided by the company. Hence HR of the company can use an online platform to educate them about everything related to the group medical cover.

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Apart from this, the employers can let the employees choose the kind of coverage as per their medical conditions and exclude the ones that are not required apart from the default set of coverage that the group plan provides.

Here are some of those benefits, all the employees will get if the employers take a smarter approach towards providing group plan cover.

Multiple Options

When you give the authority to the employees that they can choose the kind of coverage they want, it makes them feel their importance in the company and creates goodwill of the employer among the employees.

Medical Insurance

However, employers can also set a maximum sum insured amount as per their budget and set a condition under which, if the sum insured amount exceeds the set sum insured amount, they will have to pay the extra amount from their pocket. Whatever it may be the employers have to educate the employees for the same before giving them the authority to choose the coverage.


HR should make sure that the insurance company that they bought the insurance plan from must have an online presence. The online presence of the insurer will make it easier for the employees to select the coverage they are looking for.

Health Care

Low Premium

As we have mentioned above that in order to keep the employees under a budget, employers can set the sum insured amount that the employees would not exceed and if they do then they will have to bear the payment of the extra amount.


Due to the growing competition among insurers, the insurance companies have to come up with a different set of features and benefits that their customer can enjoy while purchasing the insurance plan online. One of them is an online premium calculator that the employees can use to calculate their premium and choose the one that fits their needs as well as the employer’s budget.


Micro small-medium enterprise (MSME) has become an important part of the country. It is because we get to witness the small business owners growing at a fast pace and these small companies are contributing to the Indian economy on a large scale now.

Where large companies provide group health plans to their employees, the MSME companies usually don’t provide group health plans to their employees. With the vast variety of insurance policies, the MSME can also look for the policies as per their requirement and budget.

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Since a group medical cover is one of the most favourable privileges the employees get attracted to, this helps employers to retain good employees for a longer period as well as attract new and smart talents to join their company.

Insurance companies have to evolve along with their customers and understand what all the employers and their employees are seeking after the Covid-19 outbreak.


In this new age where everything is done digitally makes anything in the entire world approachable. It makes it easier and comes with different benefits that the employers along with the employees can get. Corporate houses are suggested to take the new approach towards the new age concept of group insurance. The more insurance companies make themselves approachable and enhance their services and feature the more consumers they get.

Written By: PolicyBazaar - Updated: 21 June 2022
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