Ways to Get the Best Group Health Insurance Plan


A group insurance policy is one of the most sought-after insurance plans. In fact, research suggests that they are so popular that more than 50% of the health insurance market that is not government-sponsored is made up of group insurance products. Lots of insurance service providers in India offer a variety of group insurance policies.

Keeping in mind the fact that the ‘best group insurance policy’ is something that is subjective and may differ from person to person, let’s look at some of the factors that you should consider before choosing the best group insurance policy for your employees. Must be considered when choosing.

  • Sum Insured: Sum Insured is essentially the maximum amount of claim that an employee is eligible for hospitalization and treatment of ailments or diseases. While the sum insured should not be too high to cover all the treatment and hospitalization costs, it should be high enough to take care of your employee’s needs comfortably.
  • List of Network Hospitals: Before choosing a group insurance policy, you should always check the list of network hospitals. A good comprehensive group insurance policy should cover both well-known hospitals and mid-level hospitals. In short, the higher the number of network hospitals, the better.
  • Waiting period: Almost all group insurance policies come with a waiting period clause. Employees can access their insurance only after the expiry of the specified waiting period. However, some group insurance policies allow the company or organization to bypass this waiting period clause in exchange for an increase in the premium amount. When choosing a policy for employees, it is a good idea to choose a plan that offers this waiver feature.
  • Maternity coverage: Apart from covering hospitalization and treatment expenses, many group insurance policies also offer maternity coverage. As responsible employer who wants to take good care of its employees, companies should ideally opt for a group insurance plan that offers maternity coverage.

Still, thinking about how to opt for the best group health insurance for employees? Don’t worry, let’s be safe now insurance will help you. We specialize in providing insurance solutions to corporate employees at unmatched prices. At Secure Now Insurance, we not only help you choose the right policy for your needs but also go the extra mile and provide easy claim assistance as well.

Finding a good group health insurance plan can be a difficult task, especially for those who are self-employed. As a consumer, you need to look into several factors while buying a health insurance plan.

We will discuss all the important factors that you need to consider so that you can take an informed decision regarding your health insurance plan purchase.

1. Monthly Premium

This is the first thing you should consider before finalizing the purchase of any health insurance plan. Not all health insurance plans have the same premium rates. While some plans cost less, others are expensive.

2. Consider Your Marital Status

Before making a decision, it is extremely important to take into account your marital status. If you are single or unmarried then you can survive with a less expensive health insurance plan for individuals, but on the other hand, if you are married with children in your family then you definitely need a plan that will cover your children. cover as well.

3. Understand the Affordable Care Act

You must be aware of the Affordable Care Act. Since more than 30 million Americans were without a health insurance plan, the Act was designed to make health insurance affordable for everyone.

4. Study Your State’s Laws

Please note that participation under the Affordable Care Act is not mandatory for all states, states participate voluntarily. So, before getting excited about the plans that appear on Health.gov, you should make sure that those plans are available in your area or state.

5. See if Your Spouse Has Health Insurance

Before buying a new health insurance plan, check whether your spouse/partner has health insurance or not. It’s a long shot but if you act without delay you can probably benefit from your partner’s group insurance.

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