Why Include Parents in GHI is a Win-win?

A company's success hinges on its internal talent. Building a team of skilled, positive-minded individuals is crucial. The post-pandemic workplace emphasizes health benefits, including Group Health Insurance (GHI). Choosing the right GHI policy, especially regarding including parents, can be complex. This blog helps HR and founders weigh the pros and cons of parental inclusion in GHI.

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Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

Let's start with the basics. There are three types of GHI Policies available in the market:

  • Employee only
  • Employee, Spouse, and children
  • Employee, Spouse, Children, and parents/parents-in-law

Why should You Consider Including Parents in Your Group Health Insurance in 2022?

Most companies today have a significant number of millennials in their workforce. When a substantial portion of your workforce consists of unmarried millennials, the employee and parents policy is often the best choice.

The COVID-19 pandemic has prompted the younger generation to prioritize health benefits alongside their career growth. Consequently, employees are more likely to consider joining a company that provides a comprehensive group mediclaim insurance policy for both employees and their parents.

Here are Some Compelling Reasons Why You should Contemplate Adding Parents to Your GHI Policy:

  • Competitive Edge: In today's highly competitive job market, offering a group health insurance policy that covers employees and their parents can make a significant difference in talent acquisition and employer branding.
  • Susceptibility to Health Issues: Parents are generally more susceptible to illnesses or may already have pre-existing conditions. From an emotional standpoint, employees are inclined to prefer a sustainable and promising plan that extends coverage to their parents.
  • Employee Retention: While employee benefits are not the sole factor influencing employee retention, they play a substantial role when combined with a positive organizational culture.
  • Cost-Efficiency Compared to Retail Policies: Acquiring separate insurance for parents can be expensive, especially as premiums rise with age. GHI offers a more cost-effective solution, with lower premiums and coverage for pre-existing conditions, unlike retail policies. With GHI, the risk is spread across all policyholders, leading to more competitive pricing.


Including parents in your Group Health Insurance (GHI) policy is a win-win in the post-pandemic workplace. It caters to the preferences of millennials in the workforce, enhancing talent acquisition and employer branding. This approach also addresses employees' emotional well-being and is cost-effective compared to separate insurance. For HR professionals and founders, considering parental inclusion in GHI is a smart choice in today's evolving work environment.

Written By: PolicyBazaar - Updated: 19 September 2023

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3.8 April 09, 2023
Excellent Support
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Excellent Purchase
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Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
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Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
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I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.