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Benefits of Group Health Insurance
by: Jakob Jelling
Group Health Insurance is an insurance scheme provided by the insurance companies
for a group of persons, such as the employees of an organization at a reduced
individual rate. Most of the companies provide group health insurance schemes
for their employees, which helps the employees to receive health treatments without
any cost they need to pay. Group health insurance ensures the employees of an
organization to receive medical treatment quickly so that they can avoid waiting
long time in queues and other sufferings.
Group health insurance offers lots of advantages to both the employer and
the employees. As far as an employer is concerned, the group health insurance
scheme will provide enough medical treatment quickly for the staff of his company
and thereby ensures speedy recovery from diseases and keeping disruption owing
to illness in the office to some extend. The employee can also provide more focus
on his/her job as there is no need to worry thinking about the time they want
to wait for the treatment on the NHS, or suffering undue pain, or for a diagnosis.
Group health insurance plan offers several valuable benefits for an employee.
The main advantage of becoming a member of the group health insurance scheme
is that the insured doesn't have to pay large premiums for taking a private health
insurance plan. The employee can work without being worried of their health as
he/she will surely get quality medical help immediately if needed.
There are several health insurance companies
offering group health insurance schemes. Most of the health insurance companies,
as part of their Group Health Insurance Plan, provide the insured (the employees
of the company) to take a 'health
check' once in every year at any private hospital with which the company has
tie-up. The health checks will cover a complete check up, which include height,
levels of fitness, weight, blood tests, blood pressure. The health checks are
done so as to check whether the insured employee is in a good health or to find
out a so far undiagnosed condition. What ever be the purpose, the health check
is considered to be beneficial for the employee and the employer.
For those individuals who are not a member of the group health insurance scheme
has to pay about $150 upwards to perform a complete health check. Hence this
is considered as an added advantage for those who are in the group health insurance
scheme. Group health insurance also helps to boost the morale of the staffs as
they will know that their employer is providing special care about his employees.
Group health insurance schemes will differ from one insurance provider to
another. The insurance coverage will also change according to the schemes you
select. But there are certain factors which all the group health insurance schemes
will cover for:
- In-patient and day-patient treatment
- Out patient treatments such as physiotherapy
- Free Help lines such as a GP Helpline and Stress Counseling Helpline.
- Specialist consultations after getting a referral from the employee's GP
Group health insurance policy differs from one insurance company to another.
It is always advisable to compare different insurance companies before selecting
a group insurance policy. Select the one which suits your company.
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About The Author
Jakob Jelling is the founder of Cashbazar.com. Please visit http://www.cashbazar.com/insurance.shtml
and learn all you need to know about insurances.
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This article was posted on November 15, 2005 |
