Offer Preventive Healthcare To Employees To Save Future Cost

As per a Finance Commission report of 2021, around 70% of the health cost is borne by the patients. This leads the bearer into poverty annually. However, it is your duty as an employer to make sure that your employees do not have to go through something like this and also look over providing preventive health care plans so that you can save future expenses.

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*Premium starting from ₹105/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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*Premium starting from ₹105/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.

Preventive Healthcare Components

It is important to make sure that your employee is mentally as well as physically fit to keep as productive as possible. This is why the preventive healthcare programs have been divided into two categories.

Management of Diseases

Any kind of ailment can put your employees on hold from work until they get fit again. Even if they come to the office, they might not keep up with their productivity as they are on normal days. This is why wellness checkups are important.

It is better to get treatment when the symptoms are minor and prevent It from getting severe. To ensure this, you can offer comprehensive group health insurance to your employees that provide coverage for regular health checkups. This will help your employees in managing diseases easily.

Management of Lifestyle

It is not always about physical fitness. Mental health of your employee is equally important. Mental health issues like stress, depression, anxiety can make your employee less productive. Be a responsible employer and promote the well-being of the employee.

You can provide lifestyle management training to your employees to keep the workforce intact. Under lifestyle management training, you can organize fitness activities, provide diet consultations, and arrange counseling sessions to keep the employees mentally healthy.

Preventive Healthcare Implementation

In order to implement preventive healthcare, you have to follow the steps given below:

  • Understand the prevalent trends to analyze the comprehensive industry.
  • Analyze the requirement of your company.
  • Intimate with your employees in planning and developing the insurance plan.
  • Look for insurers who can fulfill your requirements and help you in customizing the group health cover.
  • Once the group health cover is finalized, make sure that you maintain a good long-term relationship with the insurer for better service and premium rates in the future.

Preventive Healthcare Benefits for Employees

Preventive healthcare benefits for employees can help your employees get financial coverage for the specified ailments in the insurance plan. Here are some of the benefits of a preventive healthcare plan.

Regular Health Checkups

Usually, people ignore diseases in the initial period and try and prevent it by having any regular medicine. Especially in India, people do not go and consult with a doctor instead they take the medicine themselves and forget about it. Sometimes, carelessness and self prevention can lead to some severe diseases. This is why regular healthcare prevention provided in the group health cover can save your employees from such careless acts that might lead them to get severely sick.

Productivity Improved

Improved productivity is not just beneficial for the employer but for the employees as well in the long run. A physically and mentally fit employee will not have to put in extra efforts to get daily tasks done than a mentally and physically ill employee. The better your performance in a company, the better your chances will be of getting a hike in salary and job satisfaction.

Disease Prevention

When an employee knows that he/she is covered under a group healthcare plan, they would not take hesitate in going to a doctor for a checkup for any disease in the initial period and prevent it from taking a severe form. Also, when an employee keeps themselves regularly checked, it becomes highl unlikely for them to get sick.

Preventive Healthcare Benefits for Employers

Just like employees, employers get several benefits from providing preventive healthcare. Here are some of those benefits:

Goodwill Among Employees

When an employer provides a group health insurance policy, it reflects goodwill of the employer as it represents the company and build its reputation as a people-first company. It can enhance your reputation in the market and attract great talents to join it.

Loyalty

When you show that you care for your employee's health by providing group health cover, it makes your employees more loyal towards the company and increases productivity. As an employer, you can also maintain a team of happy employees.

Retention of Employees

Providing group healthcare plans to the employees also helps in retaining good employees. When an employee gets settled in the company and get the financial benefits in case of unforeseen medical emergencies, they tend to stay with the company to keep on getting the medical benefits as they do not have to pay for it out of pocket.

Low Absentees

Higher absentees can lead to an overall fall in productivity of the company. So, wellness healthcare will help in keeping the employees mentally as well as phycially fit and it will lower the chances of absentees and keep the productivity level intact.

Conclusion

As we are going through a pandemic for the past 2 years, the preventive healthcare plan is the best way to keep your employees worry-free from any unexpected medical expense. This is why it is recommended for the employer to provide a group health insurance policy to provide preventive healthcare to the employees.

Written By: PolicyBazaar - Updated: 23 March 2022
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