Employee Hospitalisation Cover
Covers eligible hospitalisation expenses incurred by insured employees for covered medical conditions, subject to policy terms and applicable limits.
Group Health Insurance
Protect Your People.
Strengthen Your Business.
Group health insurance that protects your employees and their families against medical expenses, supporting their wellbeing and your workplace. It helps you attract and retain talent while building a healthier business.
Employee Health Protection
Cashless Hospitalisation
Employee & Family Coverage
Customised Benefit Structures
Dedicated Claims Support
What Is Group Health Insurance?
Understanding Group Health Insurance
Group Health Insurance is an employer-sponsored solution providing medical and hospitalisation cover to employees and, where selected, dependants, structured around the workforce, budget and benefit requirements.
What Does It Cover?
- In-patient hospitalisation expenses
- Pre- and post-hospitalisation expenses
- Day-care procedures
- Cashless treatment at network hospitals, subject to policy terms
- Ambulance expenses
Example:
If an employee covered under the group health policy requires hospitalisation for a covered medical condition, the policy can help meet eligible hospitalisation expenses, subject to the applicable sum insured, policy terms, conditions, and exclusions.
Coverage Components
Comprehensive Protection At Every Level
Family & Dependant Coverage
Where selected, cover can extend to eligible dependants such as spouses, children and parents, depending on the employer's chosen benefit structure.
Pre & Post-Hospitalisation
Covers eligible medical expenses incurred before and after hospitalisation for a covered condition, subject to policy limits and period.
Day-Care Procedures
Covers eligible procedures needing a medical facility for a specified period, but not necessarily 24-hour hospitalisation, subject to policy terms.
Cashless Hospitalisation
Provides access to cashless treatment at applicable network hospitals, subject to insurer processes, pre-authorisation requirements, and policy conditions.
Maternity Benefits
Where selected, maternity hospitalisation and related expenses may be covered for eligible employees or dependants.
Additional Health Benefits
Organisations can consider additional benefits such as critical illness, room-rent enhancements or higher limits, depending on workforce needs.
Advisory Support
Protect Your Employees Before Risk Finds You
A well-structured Group Health Insurance programme supports employee healthcare and builds a sustainable benefits framework.
- 1.
Workforce Risk Assessment & Needs Analysis
We understand your workforce, existing benefits and budget to identify suitable health insurance solutions.
- 2.
Plan Design & Placement
Our specialists structure the sum insured, eligibility, benefits and extensions, and negotiate suitable terms with insurers.
- 3.
Policy Documentation & Employee Support
We coordinate policy documentation, employee data, enrolment and benefit communication to support smooth implementation.
- 4.
Dedicated Claims Assistance
Our team supports employees and the organisation through claims, including documentation, insurer coordination and assistance.
- 5.
Annual Policy Review & Renewal
We review utilisation, claims experience and benefits at renewal to keep the programme aligned with your needs.
Ready To Explore Group Health Insurance?
Build a health insurance programme that protects your employees and supports your organisation's people strategy.
Frequently Asked Questions
Answers to Common Insurance Queries
Claims frequency, severity, utilisation patterns, age demographics and major claim trends can indicate whether existing limits and benefits remain appropriate.
Age profile, employee-to-dependent ratio, geographical spread and claims experience can materially influence the insurer's underwriting assessment.
Equirus Raghnall analyses claims experience, employee demographics, existing benefits and insurer terms before negotiating renewal pricing and programme structure.
The programme is reviewed benefit-by-benefit to identify areas where limits, sub-limits, deductibles or inclusions can be optimised based on actual utilisation.
