15/09/2013
Dear All,
Good Day.
Group Health Insurance is one of the employee benefits offered by organizations for their employees. Some employees think that they are already covered under their own health insurance so they will not get any additional benefit from the group health offered by the organization. But both policies have their own benefits.
The following are the additional benefit if you have coverage under Group Health Insurance.
1. In most of Group Health Insurance, employees can avail maternity benefit.
2. You can use the Group Health Insurance coverage for hospitalization instead of using your own policy to save the ‘No Claim Bonus’
3. There will always be relaxations in waiting periods in the Group Health Insurance. If certain diseases are not covered under your personal health cover, group health insurance may cover the same.
4. Your total health coverage enhances as you are covered under both the policies.
5. Medical test is not required for group health insurance
6. It is difficult to get health insurance policies for senior citizens. If the organization is giving an option to cover your parents, that will be a great benefit.
7. In most of the Group Health Insurance, pre existing diseases are also covered.
8. The most important thing is that you can use both the cards for a hospitalization if required.
For eg. There is a cap on room rent in your personal health insurance. So the insurer will only reimburse based on the eligibility. So the difference in room rent and allied expenses can be claimed from your group health insurance policy.
If you need any clarifications or assistance, please feel free to get in touch with me.
Thanks & Regards
