How to Find the Right Health Care Plan

Your health is more important than anything else. A healthy person can keep earning money so always put your health ahead of your financial needs. Don’t make the mistake of thinking that you’re too young to consider your health care needs. All adults need a good healthcare package so take time before committing to a healthcare insurance plan. There are four levels of insurance plan available to you – Bronze, Silver, Gold, and Platinum, and there are lots of other things to consider before you decide on your insurance package. Don’t forget that you will be paying a monthly fee even if you don’t need medical help.

Typically, the insurance plan’s monthly amount will increase as you go from Bronze up to Platinum but the amount you have to pay for treatment decreases. For example, you might be asked to pay 40% of the costs with the insurance firm covering the other 60% if you opt for Bronze, while Silver customers will find perhaps as much as 70% covered by the insurance company. If you’d like to make sure you’re not surprised by a major bill, opt for the Platinum package as you’ll normally pay something like 10% of the medical bill.

What Is the Total Cost?

Don’t just look at the monthly premium when choosing an insurance package as there may be a deductible to pay. This amount is paid whenever you need the insurance. And consider what the insurance package is covering before committing to it. Does it pay for some of your regular check-ups? What about disease management programs? Are they covered by the insurance? You should also check if preventive services like shots and screening tests are available to you at no extra cost.

Exclusive Provider Organization (EPO)

Some plans offer low monthly costs but come with restrictions. For example, you might opt for an EPO plan. That’s an Exclusive Provider Organization plan in which you’re only able to use doctors and specialists from hospitals within the plan’s network. Of course, in an emergency, you can go wherever you need to but apart from that, you’re restricted which might not work for you if you travel a lot and need medical aid in various places.

Health Maintenance Organization (HMO)

HMOs normally offer lower costs than other similar services but they have a more restrictive provider network. You will also need to coordinate your health care through your primary care physician which could slow down the process of being seen because you’ll need a referral, except in the case of an emergency. For example, if you get a rash on your skin, you’ll have to see your primary care physician before being referred to a dermatologist.

Preferred Provider Organization (PPO)

This subscription-based medical care arrangement offers more flexibility than HMOs as there are fewer restrictions on visits to specialists outside their network. You won’t need to see a PCP before seeing a specialist which will save you time, although premiums are normally higher, and there’s normally a deductible to pay. Before committing to either an HMO or PPO consider your medical needs above the costs. If buying insurance for yourself rather than taking it through your employer, remember that you might be eligible for tax subsidies.

  • Privacy Policy
  • Terms of Service
  • © 2023 Ask Media Group, LLC

Workplace Wellness

How corporate health insurance works and how to choose the right plan, written by kate.

Are you an employer looking to provide comprehensive health coverage as part of your corporate wellness program ? Or are you an employee looking to learn more about the benefits provided under corporate health insurance plans? 

Health insurance coverage has become particularly essential to American workers and their families. In 2021, American healthcare spending increased by 2.7% to $4.3 trillion . The US not only continues to have the highest healthcare costs in the world , but these costs are also expected to continue to grow over time.

In this article, we’ll explore what corporate health insurance entails, including benefits, disadvantages, and common types of insurance plans.

What is Corporate Health Insurance?

How much health insurance do most employers cover, what are the benefits of corporate health insurance, what are the disadvantages of corporate health insurance, what are some common types of corporate health insurance plans, how do you choose which insurance plan is right for you.

corporate health insurance

Corporate Health Insurance involves group health insurance policies that offer coverage to professionals working within an organization. It is a comprehensive protection plan that safeguards employees against the financial burdens associated with illness, accidents, and other health-related issues.

The concept of insurance itself has a rich history, with the establishment of the first insurance company in the US, the Philadelphia Contributionship , dating back to 1752 and co-founded by the renowned Benjamin Franklin. Over time, as new risks emerged, insurance offerings evolved to address these challenges.

Corporate Health Insurance operates on the principle of collective coverage, By pooling the risk and resources of a larger group, Corporate Health Insurance plans can provide more extensive coverage at a lower cost than individual plans.

Due to controversies in the insurance industry, the McCarran-Ferguson Act of 1945 exempted insurance companies from most federal regulations, instead subjecting them to state laws. This regulatory framework continues to shape the insurance landscape in the United States.

In recent decades, online platforms and digital tools have transformed how insurance is sold and how insurance companies assess and manage risks. The internet has made insurance more accessible, enabling individuals and organizations to explore different coverage options, compare plans, and make informed decisions.

Health issues may have a profound impact on individuals’ lives. Therefore, insurance regulators, such as the NAIC , have mandated operational staff in the workplace must provide comprehensive health insurance. Along with workplace health promotion , these regulations ensure employees have access to quality healthcare services and financial protection in medical emergencies.

corporate health insurance

The extent of corporate health insurance coverage can vary significantly from one employer to the next. Most employers contribute a percentage of the premium cost, while employees are responsible for the remaining portion. Coverage can range from a small portion to the entire premium.

While some offer comprehensive health insurance plans, others provide more rudimentary coverage. Factors influencing coverage may include company size, budget constraints, employee compensation structure, and the competitiveness of the job market.

Large businesses

Large companies often have more bargaining power and financial resources. They can negotiate better rates and offer more generous coverage, resulting in lower out-of-pocket costs for employees. Some large employers may even cover the total premium cost for their employees.

Small and medium businesses

Smaller businesses may offer less comprehensive coverage due to financial constraints. These employers may cover a smaller percentage of the premium, requiring employees to contribute more. Some may offer only basic coverage options or high-deductible plans to manage costs.

It is important to note that the Affordable Care Act (ACA) requires employers with 50 or more full-time employees to offer health insurance coverage. This mandate ensures that eligible employees have access to affordable coverage options. However, the specific details and level of coverage may still vary among employers.

Industry-specific standards

The industry in which the employer operates may influence the level of coverage provided. Industries with higher healthcare demands may be more likely to offer robust health insurance benefits to attract and retain top talent. Conversely, industries with lower healthcare demands, or those with a higher proportion of part-time or contract employees tend to provide limited to no coverage.

To determine the extent of health insurance coverage their employer provides, employees should seek out and review their employee benefits package, including the Summary Group Health Plan Description (SPD). This document outlines the details of the health insurance plan, including the coverage percentage, deductibles, co-payments, and any exclusions or limitations.

Comprehensive Coverage

One of the primary benefits of corporate health insurance is comprehensive coverage for employees. This typically includes medical expenses for hospitalization, surgeries, consultations, diagnostic tests, medication, and preventive care. Employees can address their healthcare needs without incurring significant out-of-pocket expenses for various medical services.

Employee Retention

In today’s competitive job market, employees highly value comprehensive healthcare coverage. It is a common employee benefit, with around half of insured Americans receiving them from their employers. By providing robust health insurance, employers can attract top talent, enhance employee satisfaction, and reduce turnover rates. It also demonstrates a commitment to employee well being and creates a positive work environment.

choosing employee benefits

Improved Health and Productivity

Corporate health insurance encourages employees to prioritize their health and seek timely medical attention . Regular check-ups, preventive screenings, and early detection of illnesses can lead to better health outcomes and improved overall well being. Healthier workers are more productive, engaged, and focused on their work responsibilities. They are less likely to engage in absenteeism and presenteeism.

Financial Protection

Medical expenses can be a significant financial burden for individuals and their families. Corporate health insurance can significantly reduce out-of-pocket medical expenses and help employees manage healthcare costs.

Access to a Network of Healthcare Providers

Corporate health insurance plans often have a network of preferred healthcare providers, facilitating access to high-quality medical services and specialists within their coverage. 

Wellness Programs and Preventive Care

Many corporate health insurance plans incorporate wellness programs and preventive care initiatives . These programs promote healthy lifestyles, educate employees about preventive measures, and offer resources for managing chronic conditions. Wellness initiatives may include gym memberships, health screenings, mental health support, and nutrition counseling. By emphasizing preventive care, corporate health insurance plans aim to reduce long-term healthcare costs and improve overall employee well being.

Tax Benefits for Employers

Offering corporate health insurance can provide tax benefits for small and large employers. In several countries, including the United States, contributions made by employers towards employee health insurance premiums are often tax-deductible as a business expense. These tax advantages can help employers manage their healthcare costs more effectively.

Health insurance can be expensive for employers, particularly for small businesses with limited resources. The premiums, deductibles, and copayments associated with insurance plans can contribute to the overall cost of employee benefits.

Administrative Complexity

Managing health insurance plans can be administratively complex and time-consuming for employers. It requires ongoing communication, enrollment processes, and addressing employee queries and concerns about their coverage.

Limited Plan Options

Some employers might offer a limited selection of health insurance plans to their employees, which may require compromise on specific aspects of coverage, such as network providers or specific medical services.

Dependence on the Employer

When health insurance is tied to employment, employees may lose their coverage if they leave their job or if the employer discontinues the insurance plan. Employer insurance dependence can lead to gaps in coverage and potential difficulties in obtaining alternative insurance.

Health Maintenance Organization (HMO)

HMO plans are a common type of corporate health insurance. They typically require employees to choose a primary care physician (PCP) within the network who will coordinate their healthcare and referrals to see specialists. HMO plans usually have lower out-of-pocket costs but offer less flexibility in choosing healthcare providers.

Preferred Provider Organization (PPO)

PPO plans offer a broader network of healthcare providers compared to HMO plans. Employees can visit any healthcare provider within the network without a PCP referral. PPO plans may have higher monthly premiums and deductibles but offer greater flexibility and choice in healthcare providers.

Point of Service (POS)

POS plans include elements of both HMO and PPO plans. Like an HMO, employees choose a primary care physician within the network who serves as their main point of contact for healthcare. However, employees can also seek care outside the network, albeit at a higher cost. POS plans offer a balance between cost savings and flexibility.

healthcare for families

High Deductible Health Plan (HDHP) with Health Savings Accounts (HSA)

HDHPs are plans with higher deductibles and lower monthly premiums. Company may pay premiums paired with Health Savings Accounts (HSAs), which lets employees set aside pre-tax money to pay for medical expenses. HDHPs with HSAs offer cost-saving benefits and empower employees to have control of their healthcare expenses.

Exclusive Provider Organization (EPO)

EPO plans are similar to PPO plans in terms of network flexibility. However, unlike PPO plans, EPO plans do not cover out-of-network care except for emergencies. EPO plans to balance choice and cost savings, but employees must stay within the network to receive coverage.

Self-Funded or Self-Insured Plans

Some larger corporations opt for self-funded or self-insured health insurance plans. In these plans, the employer assumes the financial risk that may come with healthcare benefits to their employees. The employer pays for employees’ medical claims or contracts with a third-party administrator to process claims. Self-funded plans offer more control over plan design and cost management but also carry higher financial risks.

Supplemental Insurance 

In addition to comprehensive health insurance plans, employers may offer supplemental insurance options. These plans provide additional coverage for dental, vision, disability, or critical illness. Supplemental insurance plans enhance the overall coverage and address specific healthcare needs not covered by the primary health insurance plan.

Choosing the right corporate health insurance plan requires careful consideration of various factors.

Corporate Health Benefits and Coverage

Evaluate the types of services covered by different plans, including health screenings , hospitalization, vision care, dental care, doctor visits, medications, preventive care, and specialty services. Assess the extent of coverage for pre-existing conditions, maternity care, mental health, and other specific health care needs. 

choosing corporate insurance plans

Network of Providers

Check the network of healthcare providers associated with each plan to ensure it includes preferred hospitals, doctors, specialists, and other healthcare facilities in your area. If you have specific healthcare providers you prefer, confirm if they are part of the plan’s network.

Cost Considerations

Compare different health and vision plans’ monthly premiums, deductibles, copayments, and coinsurance. Evaluate the total cost of coverage, including both premiums and out-of-pocket expenses. Consider your budget, the frequency of healthcare needs, and the financial protection each plan offers.

Flexibility and Freedom of Choice

Consider how much flexibility you desire in choosing healthcare providers. HMO plans often require referrals and have limited out-of-network coverage, while PPO or POS plans offer more freedom in provider choice. Assess your preferences and the importance of having the flexibility to see specialists or seek whole person care outside the network.

Prescription Drug Coverage

Evaluate the plan’s coverage for prescription medications , including formularies, copayments, and coverage for brand-name drugs. If you have specific prescription needs, ensure the plan adequately covers your medications.

Additional Services and Benefits

Consider any extra services or benefits the insurance plan administration offers, such as wellness programs, preventive care, telemedicine , or health management resources. These additional services can enhance the overall value and convenience of the plan.

Employer Contributions and Tax Considerations

Take into account any employer contributions towards premiums or HSAs, as well as any tax advantages associated with the plan. Assess the impact of employer contributions on your overall costs and consider the tax benefits you may be eligible for.

Reputation of Customer Service

Research the reputation of customer service of the provider for the group health insurance plan. Read reviews and seek feedback from others who have experience with the plan. Consider the ease of accessing customer support and the provider’s track record in handling claims and providing assistance.

Closing Thoughts 

Corporate health insurance plays a vital role in ensuring the well being of employees and providing financial protection against healthcare costs. Employers may attract and retain top talent by offering comprehensive coverage while promoting a healthy and productive workforce. However, it is crucial to carefully evaluate different insurance plans. 

A company should consider factors such as coverage, cost, flexibility, and additional benefits. By making an informed decision, employers can choose the best insurance plan that aligns with their organization’s needs and supports their employees’ health and well being.

Corporate Wellness Benefit Managers having a discussion while looking at an electronic tablet.

Get the scoop on wellness

Running a wellness program is a big job! We're here to help.

Join the 19,000+ other readers who visit this blog every month!

Subscribe to our bi-weekly Tuesday newsletter for the latest wellness program tips, insights, and stories.

Subscribe to Our Newsletter

CEO of Corporate Software company with management

Healthplan • Health Insurance • Company medical insurance

Company medical insurance

Compare all health providers. Get covered today.

How it works

Answer a few simple questions.

It takes less than a minute to put our team to work and start finding you the best health insurance quotes! 02

Quotes From Leading Insurers

We work with all the major insurers together with smaller, specialist insurers to help find you the most suitable policy at the best price. 03

Get Covered & Start Saving!

Our partners.

Secure your health with comprehensive insurance plans from Nivabupa

Tell us a bit about you

Wife Icon

Advantages and Disadvantages of Corporate Health Insurance plan

corporate health insurance advantages and disadvantages

Health insurance is one of the most important investments you can make. Knowing more about health insurance benefits can help you decide on the most suitable health insurance plan for yourself and your family.

A corporate health insurance plan is designed for the employees of a company or organisation. It is also known as group health insurance and is offered by employers to their employees. Since Covid-19 pandemic hit in 2020, it is mandatory for companies to provide best health insurance plans to their employees.

Read further to understand the types of corporate healthcare insurance, its advantages and disadvantages and the factors that influence it.

Types of Corporate Health Insurance

Based on contribution, there are two types of corporate medical insurance: a contributory plan and a non-contributory plan. Let’s have a brief look at them.

1. Contributory Plan

In a contributory health insurance plan, the employees and employers both have to pay a part of the health insurance premium to avail of the health insurance claims.

2. Non-Contributory Plan

In this type of plan, employers pay health insurance premiums without anything from the employees.

Difference between Corporate Insurance and Individual Health Insurance

Group healthcare insurance is like a company-sponsored insurance plan that takes care of the medical needs of the employees. Here is a table with the difference between corporate and individual medical insurance.

But before buying the policy, it is essential to know about the advantages and disadvantages of corporate health plans.

Advantages of Corporate Health Insurance

Corporate health insurance comes up with many added benefits like pre and post-hospitalisation help, teleconsultation, lab bookings, etc. Some of the other advantages are:

No Medical Examination

Many insurance plans require taking a pre-medical checkup depending on the age and history of medical conditions before buying it. But with corporate health insurance, there is no such requirement.

No Waiting Period

Many policies have a waiting period where you have to wait for a fixed number of days before you can raise a health insurance claim. Corporate health insurance plans do not have such waiting days and start from the first day. This can be counted as a significant advantage, as some individual health insurances have periods as long as 2-4 years.

Family Coverage

Group health insurance gives the option to include family members in the health insurance benefits . Another advantage is that it also covers maternity -related costs. Group Health Insurances also covers the newborn baby for around ninety days under maternity-related health insurance claims.

Network Hospital

Many insurance companies have tied up with hospitals for an easy, hassle-free experience. This benefit allows employees to settle their health insurance claims smoothly.

Preventive Healthcare and Extra Benefits

Corporate health insurance comes up with many added benefits like pre- and post-hospitalisation help, tele-consultation, lab bookings, etc.

Pre-Existing Diseases

Pre-existing diseases mean diseases you might have had before the corporate health insurance plan started. But many group insurance plans allow you to get health insurance claims for those diseases.

Above, we discussed many advantages that come with corporate health insurance. But before choosing the best health insurance policy , it's essential to focus on the disadvantages.

Looking for an ideal Health Insurance Plan

Disadvantages of Corporate Health Insurance

As an employee/policyholder, you don't have much leeway in tailoring the plan to your preferences. In some cases, you may be required to pay an additional fee for certain freedoms. For example, if you want to increase your coverage, you must pay the applicable premium out of pocket. Here are some other disadvantages of corporate health policies:

Policy Tenure

One of the disadvantages of corporate health insurance is the tenure period. You can only raise group health insurance claims until you're working with the organisation. The policy ends as soon as you leave the company. So in challenging situations, if you get laid off by the organisation, your policy will also terminate. This condition makes corporate health insurance less reliable due to fear of discontinuation.


You will no longer be covered by the group health policy if you are laid off by your employer or choose to leave the company. In other words, you will be covered by the policy as long as you are a member of the group, which in this case means as long as you are an employee of the company.

Not All Plans Come with Family Coverage

Many group insurance plans do not cover the family members. It is one of the significant disadvantages of corporate health insurance. In other cases, the health insurance benefits are only limited to the spouse and not the parents. For many sole breadwinners of the family with dependent children and parents, corporate health insurances are not the best health insurance. If you are in such situations, it is better to look for individual health insurance plans.

Predetermined Limit

Many corporate insurance plans come up with pre-decided hospital room rent limits. So if you choose to go for a higher tariff, you'll have to pay for all the additional costs yourself. Not only the room-rent limit , but you will also have to pay the health insurance premium as well if you choose a plan higher than that of the organisation.

Coverage Amount

You may notice that the group health insurance plans have a coverage limit of only 2-4 lakhs. So, this amount will not account for much in severe accidents and diseases.

Employer Dependent Cover

As the employers pay the health insurance premiums with group health insurance, they also hold power. Your employer will have control over it. They can decide the coverage and other added benefits. Such plans end up as a generic for every employee and will not offer to you as per your needs.

Lack of Control

As an employee, you will not have much control over the health insurance benefits. In many cases, employees have to pay extra to have a plan based on their needs.

No Tax Benefit

Section 80D of the Income Tax Act provides for the health insurance premium. But since employees are not paying for the premium, they can not avail the tax benefits.

Trouble in Claiming

Since employees do not get to choose the health insurance or the coverage, they face many troubles regarding health insurance claims . Such difficulties get added up if the insurer hasn't offered a hassle-free claim.

Choosing between Corporate and Individual health insurance can be confusing. It is important to study the situation and see what works best for you. Advantages and disadvantages concerning family coverage, predetermined amount and health insurance claims shouldn’t be dealt with lightly. Consider all these points before you decide on either. Niva Bupa’s plans offer a wide range of options. There are coverage plans as well covering post and pre hospitalisation bills to lower your overall cost.

Live Healthy and secure your health with our comprehensive insurance plans

Insurance Claim Procedure

Niva Bupa ensures that health insurance claim procedures are processed as quickly as possible & has 89% claims ratio which a reason and result of the trust of many, when it comes to claims processing.

Free Medical Checkups

In the article, Niva Bupa has explained how you can avail free medical checkup as part of your health insurance policy and things to look out for. Click here to read more about it.

diseases covered under mediclaim

Before choosing a mediclaim insurance policy, it is important to know what is covered and what is not. This article explains, what has covered & not covered under a mediclaim policy.

Health Insurance Process

Present the bills, prescriptions, discharge summary and other necessary documents when you request for reimbursement. Download & fill the reimbursement form, available on the insurance website. This is how to claim health insurance

ayushman bharat yojana benefits

Ayushman Bharat Yojana scheme (PMJAY) is the largest in the world in terms of health insurance. Read the article to know more about the Ayushman Bharat yojana benefits.

Health Insurance Plans for Senior Citizens

In this article know the 5 Most Economical Health Insurance Plans for Senior Citizens. This article gives you a deep knowledge about this topic.

health insurance policy migration

Health insurance migration is a term used to describe the ability of an individual to transfer their health policy from one insurance provider to another without losing their policy benefits

Health Insurance

Your health insurance grace period is the additional time you are provided if you fail to pay your policy renewal payment by the due date. Read the entire article to know more about the topic.

Adding parents to health insurance

Discover why adding parents to your existing health cover may not be advised. Understand the potential drawbacks and complexities involved in adding parents to your policy with Niva Bupa.


Read this article today to understand the importance of buying a health insurance plan in India & the factors that should be considered before buying a medical policy. Click here to start reading.

knee replacement health insurance

It's true that most of the health insurance providers give total knee replacment health insurance in their plans. But to know more in detail read this article about total knee replacement surgery.

Health insurance for new born baby

Yes, you can buy health insurance for new born baby. Discover the options of buying health insurance for a new-born baby with Niva Bupa.

Top 10 Deadliest Diseases in 2023

Despite its horrific nature, the coronavirus is not one of the top 10 deadliest illnesses. Here is a list of the most serious illnesses that you need to be aware of.

Free Look Period Benefits

The free look period is a provision included in health insurance in India that allows the policyholder to review the terms and conditions of the policy, and make changes or even cancel the policy without any penalties.

health insurance on emi

Do you know buying health insurance on an EMI is a smart way of gaining higher health insurance coverage and quality treatment for your medical needs. Read this article to know more.

Importance of health insurance in India.

Medical emergencies generally exhaust most of our savings, so it is suggested to have a health insurance to secure the future. Read the article to know the importance of insurance.

disability medical insurance

Health insurance can be availed in different ways by physically & mentally disabled people. Know about the plans offered by government for physical & mentally disabled people.


Incurred Claim Ratio (ICR) is the ratio of net claims provided by an insurance provider to the net premiums received in a financial year. With ICR you can have a good idea about the financial health of a company.


Your current health insurance might not be sufficient to take care of your future healthcare needs. Know how to enhance your existing health insurance plan & get more benefits.

health insurance for senior citizens

With Niva Bupa health insurance for senior citizens get your parents future completely secured. Read the article to know more about it.

Understanding the difference between incurred claim ratio and claim settlement ratio is key to knowing which insurance company is best suited for your health insurance needs.


Know about the different types of health insurance add-ons you can choose from. Read the article and know about 5 add-on covers that can help you in improving your health insurance cover.

10 best ways to manage anxiety during covid

People have been largely confined to houses by the ongoing COVID-19 outbreak. Read and find out how to manage your stress, mental health, and anxiety.

Avoid Medical Insurance Claim Rejection in India

To learn more about how you can avoid medical claim rejection in India and what are the main reasons you can face while claiming the insurance

what is cashless health insurance

Cashless health insurance policies, are those insurance plans wherein the policyholder has the option to avail of cashless treatment at an insurer's network hospital. In case of cashless treatment, all your medical bills are settled between the insurer and the hospital.

How to get a covid vaccine

Read about the Corona 19 vaccine, check out who can take covid 19 vaccine and how to register for covid vaccination and its process. Know about the commodities that make you eligible for vaccination.

Health Insurance Plans

“Inclusions” and “Exclusions” are two terms used in every health insurance policy which state the expenses covered and not covered by the insurer. This blog will cover the basic understanding of the same.

Insurance Schemes

Know how to choose the right health insurance plan and compare the different types of health insurance schemes in India.

Documentation Requirements for Health Insurance

While purchasing a health insurance policy there are several documents that are required. These documents are listed in this article by Niva Bupa.

Cancer health insurance

Buying a cancer insurance plan in India? Here are 6 things that you should remember before buying a cancer health insurance plan. Read to know more.

All you need to know about Health Insurance plans for children1

In a country like India, where healthcare costs can be outrageous, access to quality healthcare can challenge many people. Prime Minister Narendra Modi launched the PM health insurance scheme or Ayushman Bharat Pradhan Mantri Jan Arogya Yojana to manage healthcare services. Read to know more.

Buy Super Top-Up Health Insurance Plan

A super top-up health plan covers the total hospital bills up to the limit specified in your super top-up helth insurance plan. Know all about super top up health insurance plans in India.


Before you buy health insurance, you must have often wondered about the right age to buy the same. Typically, people think that they need to buy a health insurance policy only when they start ageing, or when their health begins to deteriorate. The biggest fallacy, believed in by some people, is that they don’t need to buy a health insurance plan, while they are young and healthy. But, market experts advise that the right age to buy health insurance plans is at a relatively younger age i.e. in between 18-25, while you are in sound health. Besides, the millennials of the present age are at a high risk of lifestyle diseases, like hypertension, obesity, diabetes, and cardiac ailments because of poor lifestyle habits. These include lack of exercise, odd working hours, stress, pollution, and poor dietary habits. Alongside, there is the risk of vector-borne diseases, like dengue, chikungunya, jaundice etc. and pandemics such as coronavirus. So, buying a health insurance policy should be a top priority for young people.

health insurance for diabetics

Health Insurance Plan for Diabetics: Patients in India find it overwhelming to find the right diabetes health insurance plan. Get to know about diabetes, types & causes of diabetes, preventive measures, etc.

All you need to know about chronic kidney diseases

To learn more about what is chronic kidney disease and what are its symptoms and its causes and what prevention you can take in chronic kidney disease

Micro Health Insurance

Micro Insurance is a sort of insurance that is specifically designed for assets that are less valuable, for those making modest incomes, and for people with incredibly tiny savings.

recharge benefit in health insurance

The recharge benefit in a health insurance plan is often the best way to ensure that you are never unprepared in case a medical emergency crops up unexpectedly. Click here to know more.

what is copay in health insurance

What is copay in health insurance? A very common question is anwered in this article. Read the article to know about it.

Reasons to buy health insurance

To know more about the insurance and reasons to buy health insurance policy, read this article and have a deep insight for the same.

Health Insurance Policy in India

The expiry of your health insurance policy is nearing, you may consider purchasing a multi-year health insurance policy through a single premium especially.

health insurance age limit in india

There is no age limit to buy health inusrance for parents but as the age increases the benefits varry according to your plan. Niva Bupa explains about the same in the given article .Read the article to get a deep insight.


To have a secure future for you and your spouse, it is vital to make important changes in your health insurance policy after marriage. Read to know more about it.


People & insurance companies have recognized the importance of mental health. So, most insurance plans now include coverage for mental illness. Know about mental illness cover in health insurance, exclusions of mental illness insurance, diseases covered under health insurance for mental illness, etc.

Recharge Benefit in Health Insurance

Recognize the benefits that auto recharge mediclaim coverage provides to policyholders. The article highlights the benefits of medical insurance coverage.

Importance of Medical Test While Buying Health Insurance Policy

To read more why the medical test is important while buying a health insurance policy and benefits of buying or claiming a medical policy without medical test.


Without Health Insurance, it is difficult to bear the financial expenses of kidney treatment. A critical Illness Insurance plan can provide a lump sum amount to meet the costs of treatment, care & diagnosis of kidney disease. Know more about the importance of critical illness insurance for kidney failure treatment

Health Insurance Policies For Nris' Patients

NRIs can buy a health insurance policy for your parents living in India. NRIs can either buy an individual or senior citizen health insurance policy. Click here to read the details.

sub limit in health insurance

This article explains what a sub-limit in health insurance policies is, and things to look for in the sub-limits of your policy of choice. Click here for further details.

Best Health Insurance Plan for COPD

COPD is a medical condition that includes a host of respiratory diseases. Niva Bupa offers the best health insurance plan for COPD & how it is helpful for COPD patients.


To Know more about why should you wear mask even after if you're completely vaccinated and what the benefits of its and by this how you can protect your love once

claim settlement ratio

Claim Settlement Ratio is the percentage of claims that an insurance company settles during a year. The claim settlement ratio process indicates an insurance company's potential to pay the sum insured to the policyholder. Know about the importance of CSR & how to calculate claim settlement ratio.

Insulin Dependent Diabetes

Is Health Insurance Available for Insulin-Dependent Diabetes?

Why is it important to be honest when buying HI

Be honest with your insurer while buying a health insurance policy. Always important details like age, pre-existing diseases, etc. correctly. Get to know about the importance of being honest with your insurer while buying health insurance.

2 Lakh Health Insurance

Health Recharge is a plan offered by Niva Bupa, which provides a sum insured ranging from ₹ 2 lakhs to ₹ 95 lakhs. Read to know more.

Aarogya Sanjeevani Policy

The Aarogya Sanjeevani Policy is a basic health insurance policy for individuals and families that covers basic hospitalization expenses up to Rs 5 lakh. Click here to read more about it.

Importance of Buying Health Insurance in 20S

To know more about the health insurance value and why should you buy a health insurance, what are the benefits of buying a health insurance plan and how you can invest in it.

Get Seperate Health Insurance Plan for Grand Parents

If you want to purchase a good health insurance plan for your grandparents, consider investing in an insurance policy that is best suited for senior citizens. Read more about health insurance policies for senior citizens.

why you should care about rising hospitalization cost in india

Renewing health insurance is important as it allows the policyholder to receive continued benefits. Before renewing health insurance, read about 5 things you should check.

about mediclaim policy

Know about about mediclaim policy and find important factors of Mediclaim Policy, Types, Inclusions & Exclusions of Mediclaim Policy. Read more about the Rules & Regulations, Claim to settlement ratio and lots more.


Mediclaim is a health insurance policy in which the insurer reimburses the policyholder for medical expenses. Buying a Mediclaim insurance plan might help you obtain financial aid in an emergency.


Every year, nearly 230 million people develop illnesses as a result of malaria. Niva Bupa covered the dangers, signs, and treatment of malaria during COVID-19 in the article. learn more

Importance of Women Health Insurance

Women are more vulnerable to illnesses that are peculiar to them, such as ovarian and breast cancer. Because of this, it is advantageous for women in India.

Family Floater Insurance

Family floater health insurance, often known as a family health insurance plan, covers all members of your family under a single healthcare insurance policy. Read the entire article to know more.

Who should buy Corona Kavach

Corona Kavach is a health insurance policy that protects policyholders against coronavirus. IRDAI had mandated general insurance companies to offer short-term insurance plans to cater to the maximum number of people. It also provided options to renew, migrate & port existing Corona Kavach policy to the comprehensive health insurance plan.

reasons for the increase in medical expenses in india

Medical expenses are increasing day by day & there are many factors that are influencing that cost. Click here to know about the reasons, which are resulting into increasing the medical expenses in India.

Disadvantages Personal Accident Insurance

Get an insight of personal accident insurance, its benefits and what does a personal accident insurance cover. Also know the disadvantages of not buying a Personal Accident Insurance

Is cataract surgery covered by insurance

Surgery is the best way to treat cataracts. Cataract insurance coverage is inclusive of surgical expenses. Read & understand the need for health insurance for cataract surgery.

ivf insurance

Yes, IVF treatment is covered in Health Insurance .Explore the options provided by Niva Bupa. Uncover the details of IVF insurance plans. Learn how to secure insurance for IVF treatment and fertility treatments, ensuring financial support and peace of mind with Niva Bupa.

Room Rent Limit in Health Insurance

The article explains the room rent limit in health insurance. Understand all about room capping in health insurance, different types of room rent coverages & how it affects insurance claims.


To know more about how breathing exercises can improve the lower BP & risk of a heart attack in senior citizens and how you can maintain BP levels.

Need For Health Insurance in India

Health insurance programmes enable both individuals and families to obtain the necessary medical care without having to worry about the cost. Read More.

mediclaim policy benefits

Niva Bupa provides the best mediclaim policy. Read the article to know about mediclaim policy benefits, choices & chracterstics

No Claim Bonus Health Insurance

No Claim Bonus Health Insurance is a benefit offered by Niva Bupa health insurance company to policyholders who do not make any claims during the policy period

Waist To hip Ratio Affect

Studies have shown that waist-to-hip ratio can predict the probability of developing health concerns. Read this article to know, what is waist-to-hip ratio, and how it affects your health?


Comparing & buying a critical illness plan is not easy. The article explains the components of a critical illness insurance plan & what you should look out for while comparing them.

Best Health Insurance Plans for Parents in India

Know the need for a health insurance policy for parents and how to select the best health insurance plan for your parents.

Mistakes to avoid while buying health insurance plans

Mistakes made while buying a health insurance plan can land you in a tough spot. Make sure that you avoid these mistakes while buying health insurance plan.

India's seven deadliest diseases as of 2021

In practically every country today, deadliest disease and stroke have emerged as the main causes of health concerns. Some of the most deadly illnesses are affected.

Critical Illness Plans

Know the features, benefits and tips to choose the right critical illness plan for yourself and your family. Read this article to have a deep insight of the same.

Cashless Hospitization

With cashless insurance, say goodbye to all your worries about arranging money at the last minute of health emergency. Read on to know more about cashless hospitalization.

Health Insurance Premium

Know the entire mechanism of calculating your health insurance premium. Read the article to know more about it.


In the event of a medical emergency, health insurance policy is the best financial support you may rely on. Read to know about the risks of not having a health insurance policy.

Health Insurance For Hypertension Patients in India

Patients with Hypertension need health insurance to reduce stress & to make sure that they receive quality healthcare treatment. The article explains why hypertension patients need health insurance.

Coronavirus impact on Kidney

Coronavirus has been found to affect kidney patients. In the article, Niva Bupa has explained how Covid-19 has severely impacted kidney patients. Read to know more.


IRDAI stated that every health insurance plan covering the treatment of Coronavirus issued by different health insurance companies must also cover the treatment of Omicron. Indemnity health insurance policy covers Omicron infection treatment. Read to know if Omicron is covered under your existing health insurance.

Health Insurance Plans

According to the Indian Heart Association, individuals under the age of 50 accounts for more than half of all heart attacks. Also there are many more reasons why you should get a health insurance plan for heart patients.


If you are thinking of purchasing health insurance for all members of your family, a family floater plan might work out to be more economical and beneficial.

Short Term Vs Long Term Health Insurance

Understand the difference, benefits, and disadvantages of short term health insurance & long term health insurance. As per requirements, opt for a long term or short term health insurance policy.

How to choose the right health insurance policy for employees

Picking the right health insurance for employees is crucial to keep their financial & health goals align. Read & know how to choose the right health insurance policy for your employees

Things to Consider before Buying Health Insurance Policy

Consider these 8 pillars of health insurance if you are buying insurance for first time. Read the article & know about the pillars of health insurance that should be considered before buying a policy.


Medical insurance for senior citizens ensures that they get the best medical treatment. Get cashless hospitalization facility for senior citizens & take care of their medical needs & requirements.

Benefits of buying HI policy from Niva Bupa

Buying a health insurance plan is one of the best things you can do for your health. In the article, Niva Bupa has explained the different benefits of buying a health insurance policy. Know more.


The AI technology has been making things faster and easier for many of us. Read to know how artificial intelligence has an impact on the health insurance industry now.


For many people, having a health insurance plan for family has become a priority. Read the article and understand why is buying a family health insurance plan so important nowadays.

Health Insurance

Don’t let your critical knee replacement surgery suffer due to financial crises, get your health insurance plan today and make your future secured. Read the article to get deep insight about the same.

Family Floater Health Insurance Plans in India

Get an insight about family floater health insurance plan its benefits and how you can select the best family floater health insurance plans.


Do you know that your gender can affect your health insurance premium in India? Read the article to know how does your gender affects health insurance premiums.

Best Health Insurance Plan

Do you know what Health Insurance is? Why do we need it? And factors to consider for choosing the best health insurance plan.

Family Medical Insurance Plans

know about medical policy for family, its benefits and what to look for while buying a medical policy for a family?

Mediclaim Plan

Know all the benefits and tips before choosing your medicliam plan. Read the article to get a deep insight of the topic.

How to identify hypertension in ageing parents

To learn more about that how to identify hypertension in ageing parents and signs and symptoms of hypertension and how to spot the signs of hypertension.

How to file a reimbursement claim for mediclaim policy

Read this how to guide to Claim for Mediclaim Policy, Learn what is mediclaim policy and its benefits for claim settlement, health insurance and lots more.


Depending on the number of people you intend to cover with your health insurance policy, make a choice between group health insurance and individual health insurance plan. Know more.

Features of Health Insurance in India

Shop health insurance in India only after thoroughly reviewing the policy's features. Read the article to learn about the modern features of Indian health

Importance of Yearly Review of Health Insurance Plan

With increasing age, susceptibility to various diseases gets higher. Thus, an annual review of health insurance policies can ensure that you have a plan that suits your changing lifestyle. Read to know more.


Niva Bupa offers behavioral assistance program & covers counselling sessions to provide support, lifestyle, stress, child and parenting, Give that stress a rest with Niva Bupa's insurance plans.

Get optimum coverage wit Niva bupa health reassure

Health ReAssure Plan offered by Niva Bupa is among the best plans for the family. Read the article to know all about health the reassure plan.

Things to consider before buying a second health insurance policy

You can always buy a second health insurance policy if you are not satisfied with your primary health insurance. Know about the things to consider before buying a second health insurance policy.

Healthy foods to consume after you get the covid vaccine shot

It is vital to understand the importance of taking a healthy diet after covid-19 jab. Read the full article to know about healthy foods that you can consume post-vaccination.

How health insurance is helpful in case of respiratory disease

In case of respiratory diseases, a health insurance plan can ease payments and ensure a range of benefits. Read the article & understand how a health insurance plan is beneficial if you have respiratory disease.

Diff btw Mediclaim and HI

Know the difference between health insurance and mediclaim and do remember the things before Buying a Mediclaim or Health Insurance.

restoration benefit in health insurance

Learn about the restoration/refill benefit in health insurance and how it works with Niva Bupa. Understand how this feature allows you to replenish your health coverage limit during a policy year.

medical loan

Confused between health insurance and taking a medical loan? Understand why buying a health insurance plan is way better than taking a medical loan. Read to know more.


A resolution for all of us in 2021 should be to financially prepare by buying health insurance plan online. Click here to know what makes health insurance an important policy to buy in 2021.

Critical Illness Cover

Critical illness health insurance is a type of insurance that provides financial support in the event of a serious illness.

XBB.1.16 Variant

The XBB.1.16 variant of the COVID-19 virus has been identified as a new variant with potentially concerning symptoms and risk factors

Family Floater Medical Policy

Have you heard about family floater medical insurance? Know about it and its benefits. Also do remember the things before purchasing a family floater mediclaim


Many assume either a health insurance plan or critical illness insurance policy is enough of a cover. However, it is imminent to equip yourself with both and here is why.

Different HI policies for your diverse needs

Niva Bupa offers different health insurance policies depending upon the needs of the users. Choose from a wide range of health insurance policies like an individual health insurance policy, family floater policy, etc. Know more.

Need to Know about Health Insurance

What You Need to Know Before Buying Health Insurance

Best Health Insurance Plans

Over 10% of patients with asthma are thought to reside in India, making it one of the most prevalent respiratory disorders in the world.


It has become important to provide your mother with advanced medical care & treatment if she faces any health issues. Know about the reasons why health insurance is important for your mother.


Understand the various benefits offered by a family floater health insurance policy & know who should buy it in India. Click here to know more about it.

Health Insurance Plan for Women

Why Must Women Have a Separate Health Insurance Policy


Regular physical activity has many benefits for the human body. Since daily exercise at home is necessary for today’s time, learn about easy freehand workouts and acquire a healthy lifestyle. Read more.


Reading terms & conditions might be boring, but it is very crucial also. Click here to know why it is vital to read the terms & conditions thoroughly before you finalize health insurance policy.

Buy Health Insurance Plan

Health Insurance: Why You Need to Start Early


Despite safety precautions, a construction site can be a dangerous place. In this article, we have discussed the importance of personal accident insurance in the construction sector. Read more.

Best Individual Health Insurance Plans in India

Do you know what is individual health insurance and best individual health insurance plans in India? Read this article and get your doubts cleared.

Personal Accident Insurance Policy

This article gives an insight of how personal accident insurance policy works in India. Read the article to get a deep insight.


Rapidly falling oxygen saturation levels were the most noticeable concern among COVID patients. So, here are a few tips to increase oxygen levels with simple practices like correct breathing. Know more.

how health insurance can reduce your father financial stress

Health insurance plan helps in reducing your financial burden at times of financial crisis & helps in reducing your father's financial stress as well. Click here to read more about it.


The article discusses what constitutes a bad health insurance plan and how to avoid getting a bad health insurance plan. Read to know about how to deal with a bad health insurance plan.

Omicron Symptoms

Have an insight of what Omicron is? Know its symptoms and get yourself prepared with the protection against Omicron variant


Women's health is an untapped space when it comes to covering medical expenses. This article explains why it is essential for every woman to sign up for a health insurance policy in India.


The Union Budget 2021 has affected different sectors this year. Know how Union Budget has affected the expectations of the health insurance sector.


Re-evaluate family health insurance plans & stay well-informed about latest market offerings. Read the article & know more about how to re-evaluate family health insurance plans.

Best Critical Illness Policy

Get an insight of critical illness plan and the benefits of critical illness policy


People might get confused regarding when to buy health insurance. In the article, Niva Bupa has explained the right time for buying a health insurance plan in India. Read more.

Health Insurance For Low and Middle Income Groups

Importance Of Health Insurance For Low And Middle Income Groups

Finding best health insurance for parents

Do you know we can get a health insurance policy for our parents? And your parents too need it. Know what is Covered by Your Parent's Health Insurance Policy.

Advantages of buying family health insurance

It’s important to know family health insurance and its benefits. Read out the things to remember before buying health Insurance Plans for a Family.


Get a deep insight on health insurance policy renewal , medical policy renewal and the factors to think about before renewing your health insurance policy.

How to choose health insurance for a single parent

Health insurance for single parent comes with many financial benefits, for both the parent & the child. Click here to know, how to choose the best health insurance for single parent.


With a health insurance card, you can pay for hospitalization expenses without any hassles. Read the article to know more about the benefits of health insurance cards in India.

Critical Illness Insurance

know about critical illness., its benefits and things to consider before buying it along with the necessity.

Personal Accident Insurance Policy

Do you know the actual reason behind buying a personal accident insurance policy? This article tells you everything from why you need a personal accident insurance policy to how you can choose the best one for yourself.

Pre existing disease health insurance

Niva Bupa offers a comprehensive medical insurance policy with pre-existing condition coverage. Discover the benefits and features of Niva Bupa's policy to safeguard your health and manage pre-existing conditions effectively.

malaria and monsoon explained

Malaria is spread in humans through bites of female Anopheles mosquito. Read this article to learn about the symptoms of malaria and how can you prevent mosquito breeding.

Personal Accidents Insurance Options in India

A personal accident insurance policy provides complete financial coverage to policyholders in case of accidental death, bodily injuries and physical disabilities (temporary and permanent).


Avail a critical illness insurance plan & protect yourself against critical illnesses like cancer, stroke, heart attack. Know more about the benefits of critical illness insurance plan.


While choosing a family floater health insurance plan in India, one must perform comprehensive research about the plan's features and benefits. Click here to read more about it.


Network hospitals play a key role in providing quality healthcare. Understand how & why network hospitals play an important role in health insurance.

Personal accident insurance

know about personal accident insurance, its benefits and the 5 prime reasons for buying it.

Corona Kavach Switched to Comprehensice Health Insurance

Do you know what Corona Kavach policy is? Why should we purchase it and the need to switch Corona Kavach plan to comprehensive health insurance


There are numerous health benefits of doing yoga. The article has explained how yoga can also help you in lowering your health insurance cost. Click here to know more.


Myths and facts related to critical illness insurance plans have always been present. Read further to know which are the myths and which are the facts.

Best Mediclaim Policy to save money on Fam Health Care

Get an insight of what is mediclaim policy , its types and benefits. Also know the Factors to Consider Before Buying a Mediclaim Policy

Accident Insurance

Accident Insurance is a form of insurance that provides financial coverage to individuals in the event of an accidental injury.

Health Insurance Plan for Senior Citizens

Are you looking for the best health insurance plans for senior citizens and are confused which one to buy? Check out NIva Bupa’s Health Insurance Plan for Senior Citizens. Read the article to get a deep insight.

Mediclaim Insurance Policy

Know all the benefits and reasons of having a Mediclaim Insurance Policy. Read the article to know more.

Best Medical Insurance Policy

Have a deep insight about mediclaim insurance policy and the factors to consider before buying mediclaim insurance in India.

Plan for Your Health Insurance

Simple Ways to Plan for Your Health Insurance


Choose between critical illness insurance and disease specific insurance plan based on your needs & health status. Read this article to know how you can make the right choice.

Which health insurance plan is the best

Do you know what a health insurance policy is? Why do we need it and how can we choose the best health insurance policy? Read this article and get your questions cleared.


Looking to save more, while keeping your health secure? Here are 7 different ways in which you can save money when buying a health insurance policy. Click to know more.

Best Health Insurance Policy

There are certain guidelines for Selecting the Best Health Insurance Policy such as Select and Review the Coverage Wisely, Look for a Cashless Network, and many more. Before selecting health insurance make sure to follow each guideline.

Health Insurance Deductibles

Read the article to know about the pros and cons of different health insurance deductibles

job loss insurance india

It is difficult to manage a health insurance plan from your savings if you have lost your job. Read the article & know about different ways to get affordable job loss insurance India

Health Insurance for Senior Citizens

Read this article and know everything about health insurance for senior citizens and get their future secured.

Health Insurance and Personal Accident Insurance

There are several differences between health insurance and personal accident insurance. Read the article to have a deep insight about the topic.


This article gives an insight of what Cashless Mediclaim is, how it works and the different types of Cashless Mediclaim. Read the article to know more about it.


Family healthcare insurance is a type of insurance that covers medical expenses for your entire family. It can be a lifesaver in times of need and provide financial stability for your family. Read the article to learn more.

Family Health Insurance Plans

When it comes to choosing the right family health insurance plans it is important to know its benefits and how to choose it. Read the article to know more about it.

Health Insurance for Cancer Treatment

This blog will help you understand how health insurance for cancer treatment can help you manage the cost of care and provide you access to the top cancer hospitals in India.

Family Mediclaim Plans

Knowing the benefits and tips to choose the best family mediclaim plans for your family will always be an important part of safeguarding your family's future. Read the entire article to know more about it.

Group Employee Insurance

Group Employee insurance is an insurance plan offered to a group of employees working for a small to large-scale organisation. Employees can achieve financial security during medical emergencies with this medical insurance coverage. Read the article to know more.

Health Insurance

Know everything about health insurance in one article.Starting from the types of health insurance plans to why you need it.

Mediclaim Insurance Plans

Are you future ready for your family’s health? Know about the

This year many top health insurance plans have been brought up by many companies. A few of them are listed in this article. Read this article to get a deep insight.


An individual health insurance policy protects the policyholder for medical expenses. Click here to read why it is important to have an individual health insurance plan in India.

Critical Illness Insurance

There are 5 major benefits of buying critical illness insurance namely- Financial protection, Comprehensive Coverage, Guaranteed Renewal, Tax Benefits, and No Claim Bonuses. Read the article to know more.

Health Insurance

In today's world, health insurance has become an essential requirement for individuals and families. With rising medical costs and the increasing prevalence of lifestyle diseases, having adequate insurance can provide financial security and peace of mind.

Best Family Health Insurance Plan

The most crucial benefit of having a family health plan is that it can save money. It can help to offset the cost of expensive medical treatments and procedures. Read the article to know more about it.

Senior Citizen Health Insurance Plans

There are several factors and benefits you must know before choosing a Senior Citizen Health Insurance Plan. Read the article to know all about the topic.

Corona Kavach Policy

In this article know the need, features and benefits of Corona Kavach Policy and get the future of your family secured.

Affordable Mediclaim Insurance To Protect Your Fam

Let’s know the benefits of Family Mediclaim Insurance and reasons to choose it along with the way to choose.

First Time Insurance Buyers

Health insurance proves to be a saving grace as it helps provide financial security in the face of unexpected medical emergencies. Here are some tips for first-time insurance buyers. Read to know more.

Finding the best health insurance in India

Get a deep insight of health insurance policy, its types, benefits and how to pick the best health health insurance plans in India.

best health insurance policy for Senior Citizens

Do you know What is Senior Citizen Mediclaim and its benefits along with the Need for Medical Insurance for Senior Citizens?

Health Insurance

This blog will discuss the benefits of having health insurance plans in India and the dos and don’ts to consider while buying the best health insurance plans in India.

Personal Accident Insurance

Know all about Personal Accident Insurance in this article. This article provides you with all the information from why you should buy the personal accident insurance to its benefits.

Employee State Insurance Act Scheme

The Employee State Insurance Act is a scheme governed by Employee State Insurance Corporation(ESIC) under ESI Act 1948. Read the article to have a deep insight about the topic.

Health Insurance Plan

This article provides all the information about why we need to choose a health insurance plan and how we can select it. Read the article to know more.

choose a Health Insurance Plans

When choosing a health insurance plan, there are many factors to consider. Finding a plan that meets your needs and fits your budget is crucial. Read the entire article to know about the top reasons to choose a health insurance plan.

Critical Illness Insurance Plans

Read the certain features that are covered under critical illness insurance plan in this article.

Medical Plans

When it comes to financial security in times of health crises; nothing can be more important than having a medical plan. Read the entire blog to know more.

Health Insurance Plan

Health insurance policy grants you the provision of having your medical expenses reimbursed or directly paid in case of a medical emergency.

Medical Insurance Plans

Medical insurance plans are designed to cover a wide range of medical expenses, including hospitalization costs, physician fees, diagnostic tests, prescription drugs, and other medical care.Read the article to more.

Health Insurance Plan

Know the significance and benefits of having a health plan. This article provides you a deep knowledge about the same.

Health Insurance

There are several things to keep in mind before buying a health insurance plan in India. Read this article to know everything in detail.

Women Insurance

Do you know why specifically women need health insurance plans. Read the article to know about this topic.

Corona Kavach Policy

Know everything you need to know about corona kavach policy and medical coverages. Read the article to get a deep insight of the topic.


Before buying any family health insurance, you should understand the impact of a family's size on the cost of a family health insurance plan. This blog will discuss the same.

Mediclaim Plan

Knowing the benefits and tips of choosing the right medicliam plan can help you secure your future. Read this article to know more.

Individual Health Insurance Plan

Know all the advantages of buying individual health insurance plans along with the tips of how to choose it in this article

Health Insurance

Do you still have questions about health insurance plans? This article provides you answers to all your questions. Read the article to know more.

Health Insurance Plans

Chronic conditions, characterised by long-lasting and often progressive symptoms, can significantly impact the health insurance plans of individuals who suffer from them. Read the article to know more.

Senior Citizen Health Insurance Plans

Know all the features and advantages of buying senior citizen health insurance plans.

Health Insurance

There are several myths about health insurance policy that people have in their minds. This article burst all the myths. Read this article to have a deep insight about the topic.

Health insurance is an insurance product which covers medical, surgical and other expenses of an insured individual or family or even a group of people.

Accident Insurance Plan

Know the ways of how you can get the best accident insurance plan. Read the article to get a deep insight of the topic.

accidental insurance

Accident insurance is considered supplemental insurance, and it is most useful when combined with a major medical plan.Read the entire article to know it’s requirement

Best Mediclaim Insurance Policy for your Family

Many purchase a health plan without understanding if it would suit them. The comprehensive information in this article will make it easier for you to buy a mediclaim policy for your family.

Mediclaim Insurance Plan

Choosing the right medical insurance plan is a critical decision that can significantly impact your physical and financial well-being.Read the article to know more about it.


In this article, we will discuss how to prioritise your health by getting individual health insurance plans and their benefits.

Health Insurance Deduction

Are you paying for your healthcare insurance? If so, you might be eligible for a health insurance deduction which means you can save money on your income tax return. Read the article to know more about this.

Mediclaim Insurance

The Indian government has introduced various incentives for medical insurance for parents, such as Section 80D, to make healthcare affordable for everyone.This blog will discuss the features of section 80D and its impact on healthcare insurance plans

COVID Insurance

The COVID-19 pandemic has highlighted the significance of being prepared for unforeseen circumstances.Read the article to know more about it.

256- F-Male

It is important to have a comprehensive health insurance. Know all about the types of health insurance, it's benefits & understand how to make the best of your medical insurance policy.

Premium is an important factor while buying a health insurance policy. Read the article to know about the different factors that impact health insurance premium in India.

What is personal accident cover

We all should consider adding a personal accident cover to our health insurance plan. Hence, you must consult your insurance provider before selecting a policy. Know more.

a millennial s best investment in 2019

Millennials are expected to have worse health problems than their parents. Read the article to understand why health insurance is a necessity & best investment option for millennials.

How to choose the cheapest health insurance plan

It is not always the right choice to buy an expensive health insurance policy. Sometimes a cheaper policy might work too. Get to know about how to choose cheapest health insurance plan.

protect elderly people from coronavirus

Elder people are more vulnerable to coronavirus pandemic. The article explains the different ways in which you can protect your parents/elder people from coronavirus. Know more.

Is Coronavirus Covered by Your Existing Health Insurance Policy

Does your health insurance offers coronavirus cover? In the article, Niva Bupa has explained how to identify whether coronavirus is covered by your health insurance plan or not.

All you need to know about Health Insurance plans for children

It is important to ensure that your children get the best healthcare possible when they need it. Buy health insurance for children & protect your children.

What are the benefits of an individual health insurance plan

Individual health insurance plan covers a single person & offers financial protection during health emergencies. Benefits include hospitalization coverage, OPD coverage, etc.

tips to buy the best health insurance policy for coronavirus

As Covid-19 numbers are rising, it is important that you look at some of the tips to buy a health insurance plan for coronavirus, that ensures financial security for you and your loved ones

What is Maternity benefit

Understand the concept of maternity benefit and its significance with Niva Bupa. Explore the range of maternity benefits provided by health insurance plans, including pre and postnatal care, delivery expenses, and newborn coverage.

  • Find My Plan
  • Request callback
  • Chat with Experts

Select Time




Please click on Agree button to be Redirected to BANCA Site.

Else click on close icon.

  • Back to Employee Benefits

Corporate Health Insurance

  • Rated 4.92 / 5 by 3627  client reviews

Tom Conner

Corporate Medical Insurance is a highly-valued employee benefit that provides private healthcare treatment for your employees when they need it the most. In fact, it’s the insurance policy workers would most like to see their company introduce .

If an employee falls ill the corporate health insurance will provide them with access to private clinics, hospitals and consultants at a time convenient to them so they can receive the best possible treatment.

By utilising the company paid private healthcare your employees get to bypass potentially long NHS waiting lists and get the required treatment faster helping them to get back on their feet quicker.

What Does Corporate Medical Insurance Cover?

Comprehensive Health Insurance, the option many larger corporations choose, includes both inpatient and outpatient cover. It therefore generally covers:

  • Tests and scans (e.g. x-rays, CT and MRI scans)
  • Consultations
  • Hospital stays
  • Therapies (e.g. physiotherapy, osteopathy etc.)
  • Exclusive drugs not available on the NHS due to cost
  • Alternative therapies (e.g. acupuncture).

Most policies and private facilities will offer benefits such as:

  • Choice of consultants and specialists
  • Flexible visiting hours
  • Much shorter waiting times for treatment
  • Appointment times tailored to suit an employee’s schedule.

Many of the top UK corporate health insurance providers now include some really valuable additional benefits that employees and employers alike are hugely grateful for.

Virtual GP & Other Support Services

Most Corporate Health Insurance policies offer a number of additional workplace wellbeing benefits which now include a digital GP service, usually via a smartphone app.

We have had some great feedback on how valuable this has been for many employees, it gives staff access to video and / or telephone GP appointments, usually 24 / 7, from the comfort of their own home.

Historically, you had to wait for an NHS GP referral to access private treatment. Now, however, remote GP services can make referrals for private treatment under the Health Insurance scheme if necessary.

Read here how our director utilised our Virtual GP service and how easy he found it to use.

In addition to the GP service some also provide a bolt-on prescription service as well as other everyday wellbeing benefits such as counselling helplines and high street discounts.

We helped gaming company Trailmix implement a AXA corporate scheme, click here to read how their staff are really benefiting from the Doctor@Hand service →

Nadeem Farid Head of Employee Benefits at Drewberry

Providing a level of outpatient cover ensures your staff can get a consultation or scan for a quick diagnosis when they have a medical issue. It is one of biggest benefits of private healthcare.

Without access to outpatient cover, employees will still have to wait for the NHS to be diagnosed before receiving any private inpatient treatment.

Nadeem Farid Head of Employee Benefits at Drewberry

Working Alongside NHS Services

Corporate Medical Insurance treats acute conditions . These are conditions that will improve with treatment (e.g. joint pain treated by having a hip replacement).

As good as private healthcare is it doesn’t cover chronic conditions (for example those that don’t get better with time and remain with you for life, such as diabetes). For chronic conditions, employees will continue to use the NHS.

Policy Exclusions

There are a number of general exclusions you’ll find in most Private Health Insurance policies include:

  • Emergency care
  • Kidney dialysis
  • Fertility treatment
  • Standard pregnancy and childbirth (may be covered for complications)
  • Treatment or rehabilitation for alcoholism / substance abuse
  • Cosmetic surgery that is not medically necessary.

Why Is Corporate Health Insurance Important?

The NHS does a fantastic job, but a funding squeeze has limited the amount of cash available even as demand for UK healthcare spikes. As a result, the NHS is under significant and sustained pressure.

For instance, at the end of June 2020, NHS statistics reveal 3.86 million people on NHS waiting lists in England awaiting treatment . Almost half of such patients had been waiting at least 18 weeks.

For employers, providing Corporate Health Insurance as part of an impressive employee benefits package can:

  • Attract new employees
  • Improve employee retention and engagement
  • Reduce stress and staff absenteeism.

Happy, grateful and above all healthy employees tend to be more productive.

How Much Will Corporate Medical Insurance Cost Per Employee?

The cost of will vary between businesses because it’s partly based on employee demographics. Factors which impact the cost of cover include:

  • Employees’ ages
  • Postcode(s) staff are normally based in for work
  • The underwriting you’re planning to choose
  • Policy options you want to add.

Below we’ve provided examples of the average cost of premiums per employee for different sized businesses. To provide these examples we’ve had to make a number of assumptions about the level of cover. For instance, we’ve assumed:

  • There is a £1,000 outpatient cap
  • There’s a £100 excess on the policy
  • There is a mid-tier hospital list.

These premiums are a guideline only — the cost could be different depending on your needs and circumstances.

We are a regulated independent insurance broker with a team of expert advisers on hand to help you compare corporate health insurance quotes from all the leading UK providers.

If you need some help pop us a call on 02074425880 or email [email protected]

Corporate Health Cash Plan: A Cheaper Alternative

Corporate Health Insurance is a highly valued benefit however it is not always an affordable option to provide to all staff.

A business with a tighter budget might want to consider a Corporate Health Cash Plan , which is significantly cheaper but still provides really valuable everyday healthcare support.

A corporate health cash plan provides a cash reimbursement for every day healthcare costs, for example dental check-ups, physiotherapy and eye tests.

Compare Top 10 UK Providers

Corporate client stories.

trailmix employee benefit story thumb

6 Ways To Reduce The Cost Of Corporate Health Insurance

You have a number of options when arranging Private Medical Insurance for your employees. Each will impact the overall cost of the cover.

Outpatient Cover

Choose how much outpatient cover your staff receive. Your options are:

  • Full cover, where all eligible treatment is covered
  • A capped policy, where outpatient treatment is limited, say to £1,000 per year
  • A basic inpatient-only policy, where staff aren’t entitled to any outpatient care.

Naturally the less outpatient cover you provide the lower the cost of cover.

Excesses typically start at £100. The larger your excess, the more staff will have to pay towards their treatment but the cheaper premiums will be.

Adding an excess can help reduce unnecessary or trivial claims which end up increasing the overall cost of your cover.

Mental Health Cover

Every year the UK loses £70 billion as a result of mental health issues , making access to quality mental healthcare vital.

Many firms are choosing to include mental health cover with their corporate health insurance given the focus on employee wellbeing. This additional option can be expensive though and one you may wish to scale back if your budget is limited.

Dental and Optical Cover

Most plans cover surgical procedures such as cataract and wisdom tooth removal. However, a policy usually won’t cover routine optical and dental care, such as the cost of check-ups, fillings, new glasses etc.

This option expands your Health Insurance to cover such routine care.

If you wish to include a level of dental cover you may also want to consider a standalone policy which could be more cost effective.

6 Week NHS Wait

It means staff can only claim if the NHS waiting list for the inpatient treatment they need exceeds 6 weeks. If not, they’ll use the NHS.

This option can significantly cut the cost of premiums.

Cover for Family Members

You have the option to add employees’ families. The business can pay for this or you can ask the individual worker to pay.

Including family members may be beneficial as it could reduce the amount of time employees are absent while caring for ill family members.

Underwriting Corporate Medical Insurance

You have three underwriting options, plus a fourth if you’re looking to move between providers. Each is different and will determine just what staff can claim for based on their pre-existing conditions.

  • Full medical underwriting (FMU) requires upfront disclosures of employees’ medical history. Once the insurer has this information, it usually excludes pre-existing conditions.
  • Moratorium underwriting requires far less initial administration. Any condition the employee has had in the 5 years leading up to the policy start date will be excluded. Moratorium tends to be the most popular option.
  • Medical history disregarded underwriting is the best available on the UK market. Available to groups of at least 20-25 members, it ignores any pre-existing conditions, no matter when your staff suffered from them. Employees can therefore claim for any eligible condition under the policy’s terms.
  • Switch or Continuing Personal Medical Exclusions (CPME) can be used if you have an existing scheme and want to switch providers. It ensures that the new insurer will cover any pre-existing conditions which the old policy covered.

How Does HMRC Tax It?

Private healthcare benefits are usually an allowable business expense against your corporation tax bill.

For employees, corporate health insurance is a P11D / taxable benefit in kind .

As such, HMRC levies tax against premiums by reducing employees’ annual income tax allowance by the same amount of the premiums paid on their behalf, meaning staff can earn less before becoming subject to tax.

As an employer, you’ll need to fill out a P11D form to declare to HMRC that you’ve provided your employees with a benefit in kind and pay employer’s National Insurance on the premiums.

Common Business Health Insurance Questions

Is corporate health insurance a p11d benefit for employees.

Yes, Corporate Health Insurance is a P11D / benefit in kind. This means there’s additional tax to pay on the employee’s part as a result of having the cover.

This is usually achieved through a HMRC adjustment to your tax code which reduces the amount you can earn before tax kicks in (this is known as your personal allowance) to the equivalent cost of the premiums each year.

How is Corporate Health Insurance different to a Health Cash Plan?

Corporate Health Insurance is designed to pay for the treatment of acute medical conditions in a private hospital setting. You get to choose the facilities you’re seen in and the specialists you visit.

It’s there to pay for faster access to healthcare than the NHS can provide in many cases for problems that are treatable, such as joint pain requiring joint replacement, cancer care, a tonsillectomy, cataract removal or cardiac bypass surgery. This is opposed to chronic conditions that are only manageable, such as arthritis, asthma and diabetes, which aren’t covered.

A Corporate Health Cash Plan , on the other hand, is there to reimburse you for the cost of everyday health expenses, such as optician and dentist visits.

To use dental treatment as an example, you visit the dentist, have your treatment and pay for it. You then keep the receipt and send this off to the insurer with your completed claims form. The insurer will then reimburse you up to the limit per policy year for that type of treatment.

Will The Scheme Cover Overseas Travel?

Most corporate health insurance schemes have the option to cover a level of overseas travel.

Some providers offer a set number of days per policy year while others have bolt on travel option which works in much the same way as a separate group travel insurance policy.

If you have a number of employees stationed overseas then it might be worth considering a group international health insurance policy.

Who Are the Best UK Corporate Health Insurance Providers in 2023?

As independent insurance experts we work with all the top UK providers. When it comes to corporate healthcare there are four main providers with a number of other smaller niche insurers:

Each insurer is different and which one is right for your company and your staff depends on your circumstances.

Our job is to make sure you get the most appropriate cover for your business and your employees at the most competitive price.

We are often able to negotiate better terms than you dealing direct with an insurer and we do a full market review each year to make sure you always have the best terms.

Top Additional Benefits

Since the pandemic many insurers have expanded their range of tangible everyday benefits which now often include:

  • 24/7 Virtual GP & Prescription Service
  • Counselling Helpline
  • Physiotherapy and Nutritional Support
  • High Street Discounts.

These benefits help ensure your company paid health insurance is utilised on a regular basis providing tangible value beyond the payment of claims.

Corporate Medical Insurance Product Reviews

aviva logo 19

Compare Corporate Medical Insurance Quotes & Get Expert Advice

It takes time and expertise to set-up the most suitable corporate scheme for a large group of people. Many firms simply don’t have the resources in house to manage this and choose to work with an expert.

Out team of experts work with every UK leading insurers and compare quotes from all of them. We also understand all the terms and conditions and have processes in place to make reviewing the market as hassle-free as possible.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • We are award winning 🏆 independent insurance advisers who work with all the leading UK insurers
  • You’ll speak to a dedicated expert from start to finish
  • We are very proud of the 3627 and growing independent client reviews rating us at 4.92 / 5
  • We are authorised and regulated by the Financial Conduct Authority. You can find us on the financial services register here 🧐
  • Claims support when you need it most.

If you need help setting up corporate medical insurance please don’t hesitate to call us on 02074425880 or email [email protected] .

  • Business Owner
  • Employee Benefits

Popular Business Health Insurance Guides

How Much Does Business Health Insurance Cost? Image

Allianz Partners

International Corporate Healthcare Insurance

International health insurance designed for businesses.

useful description of image if informative and not decoration only.

Insurance Partners: Building relationships

Join our global network, we are true partners in the international health and life industry, offering a relationship built on respect, trust and mutual benefits, including access to a worldwide system of sales, administrative and digital support..

corporate health care plans

Brokers, Agents & Intermediaries

corporate health care plans

Managing General Underwriters (MGUs) & Administrators

corporate health care plans

Insurers & Bank Insurers

useful description of image if informative and not decoration only.

Employers: Protecting your employees

Corporate health insurance plans.

corporate health care plans

Small to medium enterprises

corporate health care plans

IGOs, NGOs and governmental organisations

One provider, multiple insurance solutions.

corporate health care plans

This Video is loaded through YouTube. Google is collecting information about your interaction with this Video by using cookies and may use this for targeting their offers. Please accept cookies in order to show the Video.

International insurance with Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team   who will be happy to provide you with a quote based on your requirements.

Moratorium underwritin g sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Medical History Disregarded terms is members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies.  

Allianz Care offers dummy Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:

  • 90 travel days per insurance year each
  • 180 travel days per insurance year each

* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions

Feefo logo

Check our independent customer service reviews  here  

Find out more.

Financial Insurance, Reinsurance Brokers Solutions and Consultant Services Provider | LNGinsurance

  • About Us Old
  • Retail Insurance
  • Corporate Risks
  • Employee Benefits
  • Reinsurance

Corporate Health Insurance: Features, Types and Benefits

Corporate Health Insurance

  • September 10, 2022
  • By Life & General

Table of Contents

What Is Corporate Health Insurance?

Corporate health insurance is health insurance for the entire corporate organisation and provides the same benefits for the company’s employees, including coverage for accidents, illnesses, operations, treatments, dental work, recuperation costs, and other things. Group health insurance is another name for corporate health insurance, and group health insurance plans or policies are other names for insurance plans.

It is similar to an individual buying health insurance for himself or his family, but the difference here is that corporate health insurance is provided by the office.

How Does Corporate Health Insurance Work?

Corporate Health Insurance is purchased as group health insurance and provided to each employee at the time of joining. The benefits provided to each level of an employee may differ from the other. But health insurance benefits, which a basic policy might cover, are covered for each employee in the office.

The employees do not need to go through medical tests to be eligible and are provided as a default service by the office.

Corporate Health Insurance Online Policy Coverage

Corporate health insurance policy coverage may differ according to the size of the company and also the level the employee is being recruited at.

For example, an executive or a management trainee will be offered lower insurance as compared to a manager. Whereas a manager will be secured at a lower amount than a senior manager or business head.

Benefits Of Corporate Health Insurance

Corporate health insurance has two main levels of advantages. It bestows several advantageous benefits on corporate structures or employers as well as numerous advantages on the intended audience, namely the employees. To learn how corporate health insurance benefits both the employer and the employees, continue reading.

Benefits Corporate Health Insurance For Employees:

  • Compared to individual health insurance, corporate health insurance has a more expansive application in terms of the insurance coverage it offers for various ailments. Generally speaking, the list of illnesses covered by group health insurance policies is unrestricted.
  • The maternity benefits provided under corporate health insurance plans are of utmost significance to the nation’s steadily growing female workforce. If they want to start a family, it enables female employees to pursue their career goals without worrying about money.
  • Standard individual health insurance plans stipulate a minimum waiting period before insurance coverage begins to apply for a condition that the policyholder already has at the time of enrollment.

Benefits Corporate Health Insurance For Employers

  • A group health insurance plan for employees is a huge incentive for qualified candidates to join the company, which is the main benefit for employers. Since most workers wouldn’t want to forgo a comprehensive health insurance plan, it also enables employers to benefit from greater customer loyalty from their workforce.
  • By providing comprehensive group health insurance plans for your employees, you show that your business is concerned about their well-being.
  • The corporation can provide broad benefits to employees at a low cost by purchasing group health insurance policies for them.
  • Last but not least, the company will receive certain tax advantages from obtaining corporate health insurance policies for the personnel.

Apart from this employers must also ensure that the health insurance that they select offers the following benefits:

  • Round clock coverage is ensured for all employees.
  • The total insured amount and also the increase in amount when the insurance goes claim-free
  • Features like benefit customization choices, cashless care at partner hospitals, daily cash benefits in the event of hospitalisation, etc., are essential for business health insurance policies. This will go a long way toward ensuring that your group health insurance plan serves its aim of protecting and motivating your personnel.

Who Is Eligible For Corporate Health Insurance?

Group health insurance programmes are often between a company and an employee. Non-employer to employee groups, however, are also eligible.

So long as you meet the employer group health insurance standards, you can obtain employee group health insurance coverage whether you run a small business, a large organisation, an emerging start-up, or a group with a shared interest.

Here are the requirements:

  • Meeting the minimum number of employee criteria
  • Your company needs to be a registered business
  • Single entrepreneurs are not eligible
  • Family businesses are also not eligible for the insurance

How To Select The Best Corporate Health Insurance Plans

It is impossible to have a single health insurance plan that satisfies all of your needs. There are numerous health insurance plans accessible, and each plan has certain special features for coverage. Before choosing the finest health insurance plan, you must determine the benefits and understand everything that is covered and excluded. You can choose the option that best meets your needs by conducting online research or by speaking with our customer service team.

  • Choose an adequate sum of insured
  • Choosing the right coverage type
  • Verify Your Flexibility to Increase Your Total Amount of Insurance
  • Check the waiting period for pre-existing disease
  • Check the maximum renewal age
  • Choose the insurer with a higher claim ratio
  • Choose a smooth claim settlement process
  • Ensure the provision of cashless hospitalisation
  • Compare premium prices

Best Corporate Health Insurance Plans In India

Here are some of the best Corporate Health Insurance Plans in India

1) Aditya Birla Active Assure Diamond Plan

2) Bajaj Allianz Health Guard

3) Bharti AXA Smart Super Health Plan

4) Care Health Care Plan (Formerly Religare Care Health Insurance Plan)

5) Cholamandalam Chola Healthline Plan

6) Digit Health Plan

7) Edelweiss Health Plan

8) Future Generali CritiCare Plan

9) IFFCO Tokio Health Protector Plus

10) Kotak Mahindra Health Premier

Future Of Corporate Health Insurance

The future of Corporate Health Insurance in India is very bright as it is an added benefit for the new age employees who are newly entering the job market. Additionally, corporate health insurance becomes very important for employee retention.

How Are Corporate Health Insurance Policies Different From Regular Plans?

1. Premium Cost:

Individual health insurance premium costs could be a little excessive. The policy does, however, provide a wide range of coverage, which makes it a good investment.

Corporate health insurance has a low premium cost. It offers some coverage, but not much.

2. Customisation:

Your medical requirements can be met by individual health insurance.

You must accept the coverage that your employer offers in the event of business health insurance. The coverage is not set up to meet the medical demands of you and your family.

3. No Claim Bonus:

The NCB benefits are available through your health insurance plan.

Some business health insurance programmes may not provide the insured with NCB benefits.

4. Job Limitation:

Personal health insurance policies do not terminate when you leave a job, in contrast to corporate health insurance.

After you quit a firm, health insurance plans are no longer valid.

Things To Look For When Buying Corporate Health Insurance

Here are a few things you should consider before buying corporate health insurance:

  • Claim process how is the claim process and is it a hassle free.
  • Family Health Insurance: Is your family also being insured by the insurance
  • Selecting the right insurance amount for the benefits being offered is important
  • Network of hospitals that fall into the insurance bandwidth
  • Consider if maternity benefits are being offered in the insurance
  • Pre and Post care: If the health insurance pre and post-hospitalisation services
  • Free medical check-ups: Remember to check if free medical check-ups are being offered.

FAQs About Corporate Health Insurance

Let’s look at answering some FAQs about Corporate Health Insurance.

Q1. Can I Increase the Cover Of My Corporate Health Insurance?

Almost all insurers will give you the choice to raise your current policy’s sum covered when you renew it. This way, you can be sure you have enough coverage for your and your family’s medical requirements without having to pay too much out-of-pocket. It will slightly increase your premium, though.

Q2. Can I Port Corporate Health Insurance Policy?

No, you cannot port corporate health insurance offered by one corporate into another corporate because the plans offered by each company may differ.

Q3. Can I Port Corporate Health Insurance Policy To Individuals?

Change at the insurer’s discretion, in accordance with IRDA regulations, a group plan participant may choose to convert from an employer-provided health insurance policy to an individual health insurance plan with the same insurer by following the necessary procedures.

Q4. Do Health Insurance Provided By Corporate Companies Covers Everything?

There are often limitations to what is provided under health coverage and may differ from policy to policy. It is always better to consult HR for another clarification or talk to an expert at L&G.

Q5. Is Corporate Health Insurance Enough

Depending on the lifestyle of an individual and the cover being offered by the office it is important to take a call. It is important to understand that in case an individual decides to leave office, then the cover will not apply in such a situation. Additionally, the cost of health insurance premium increase with age. In case a person decides to stop working the premium cost will be higher at that time.

Depending on what a company is looking to offer their employees, there are different things that affect the policy selection – especially corporate health insurance policy. So it is important to understand in detail what is being offered and how can information about corporate health insurance be utilised to the best to offer employee benefits that are relevant to them.  

Get The Expert Advice On Corporate Health Insurance?

Looking for expert advice on corporate health insurance policies give us a call and we can help you decide and draw custom-made plans to fit your requirements.


About Author

corporate health care plans

Life & General commenced its operations in 2001 and became one of the first brokers to be licensed and regulated by the Insurance Regulatory & Development Authority of India (IRDAI). The company primarily operates in the State of Maharashtra with offices in Mumbai and Pune. L&G has developed a portfolio across various classes including life, health, marine, property, engineering, general aviation, liability, motor and reinsurance.

Related Post

Why You Should Choose An Insurance Broker

Got a Query About Insurance?

What is Corporate Health Insurance?

Corporate health insurance - what is it.

Corporate health insurance is a type of group insurance that provides coverage for employees, their families and dependents. It's designed to protect your business from rising health and medical costs by providing coverage for critical illness, accidents and disability to you and your workforce. 

Several different types of corporate plans are available today; each has its own set of benefits and features that make them unique. But all these plans share one thing in common: they protect against catastrophic events (medical emergencies that requisites immediate hospitalisation) at little or no cost to you! The most common types of corporate medical plans for employer-employees in India are.

  • Group medical health insurance plan, also known as GHI/GMI/GMC
  • Group term life insurance plan, also known as GTL/GTLI
  • Group personal accident insurance plan, also known as GPA

The following sections will explain corporate health insurance, how it works, and why it's essential for your company's long-term financial security.

Corporate health insurance - how does it work?

Corporate health insurance is a form of group insurance that covers the risk of incurring medical expenses during the course of active employment. It is a type of group mediclaim that provides financial protection against the risk of medical treatment expenses in the event of an unforeseen hospital emergency, specifically to the employee and their respective families. Many plans allow workers to cover their parents-in-law with super-top, critical illness coverage, outpatient department benefits, and much more. 

In short, if you or your family person gets hospitalised, the employer-sponsored corporate medical insurance coverage can be utilised to pay the cost of hospital bills. 

As a salaried employee, you must check with your human resources department to check the complete details of your corporate medical plan. 

The importance of corporate medical insurance (GMC + GPA + GTL) cannot be overstated for an employer as well, as it protects your business from high costs and potential lawsuits or other legal issues if a worker gets sick or injured on their own time off work. In India, which has a large working population, employer-employee insurance benefits salaried individuals with limited access to health care coverage through their employer's plan, especially for those who cannot afford an individual healthcare policy. 

Modern healthcare is expensive, so it makes sense why companies and young co-founders would want to shield themselves from those costs by purchasing a group plan to protect their workforce's interests and well-being. A happy and secure workforce is ideal for any organisation. 

Advantages of corporate health insurance for employers and employees

  • You will be covered for medical expenses from day 1
  • You will be covered for critical illnesses (this also depends on the scope of cover of the group cover)
  • You will be covered for in-patient hospitalisation
  • You will be covered for emergency treatment due to an accident
  • You will be covered for outpatient treatment and surgery (OPD benefits can be availed at the cost of an additional premium payment)
  • You can go ahead with the flexible premium payment options
  • You get to save income tax
  • You get to pick and select the right kind of employee benefits and sum insured on a single platform with the best quote possible from multiple insurers
  • No agents, no commission, no paperwork. Your decision is free from human bias and error
  • No need to visit the bank; you get to customise your digital health insurance plan online
  • Get the option to include additional benefits such as critical illness and maternity cover for employees and their dependents. 

What is covered under your corporate health insurance policy?

The coverage you receive depends on the type of group policy selected by your company. Some policies include:

  • Hospitalisation - This coverage can pay for hospital stays for individuals and their families up to a set amount, equal to the sum insured per employee. It also pays for medical expenses related to childbirth and certain pre-existing conditions post the waiting period (for example, if you have asthma or diabetes, if your policy comes with maternity and childbirth coverage).
  • Physician visits - Your plan may cover basic medical care for preventative purposes (such as yearly checkups) and pre/post hospitalisation expenses, including prescription drugs that your doctor or specialist recommends. If you're injured while at work or on vacation, this benefit will help with treatment costs related to the injury itself and rehabilitation afterwards.

What is not covered under your corporate health insurance plan?

  • Out-of-network care - This is the type of care you may have to pay for yourself if your plan doesn't cover it.
  • Critical care - Your health insurance company may not cover urgent visits or surgeries, like those related to childbirth or cancer treatment or heart stroke. The complete list of non-covered critical conditions is mentioned in the policy document. 
  • Pre-existing conditions and other medical conditions that are not covered under your plan's benefits package (such as diabetes). If a person with a pre-existing condition enrols in an employer's group health plan, they may be denied coverage for these additional services unless they've been approved by the insurer beforehand; this is known as "pre-approval" surgery procedures that are sometimes requested by employees who want more flexibility over their health choices without having them put off until later when necessary medical care becomes unavailable due lack funds needed funds. The other option is to complete the waiting period. 

It's no secret that healthcare costs are rising. According to the Bureau of Labor Statistics, the average cost for hospital stays has increased by about 50% since 2010. Keeping this in mind, it is a good decision to secure yourself and your family's future by choosing a corporate health insurance plan. Not only are you covered for health expenses but also critical illnesses. 

Not only do these plans provide peace of mind by covering medical bills when they arise, but they can also help you plan for the future. It's never too early or late to start saving money on premiums so that when something does happen—whether it be an emergency visit to the doctor or surgery—you won't have any issues paying out-of-pocket costs due to lack of funds available at the time (and if there isn't enough saved up). As we all know, corporate health insurance comes at no cost to an employee's paycheck. 

Corporate health insurance is the best way to protect employees and their families from unnecessary costs. With corporate health insurance coverage, you can rest easy knowing that you have taken care of all those medical emergencies that come up unexpectedly. Not only are you covered for health expenses, but also for critical illnesses and accidental emergencies.

Want to know more about Plum Insurance?

Deep dive into group insurance for teams.

Check out group term insurance .

Explore group personal accident insurance .

DM us on Twitter .

Learn everything about the business of talent that you don’t learn in business school

corporate health care plans

chevron icon

Corporate Healthcare Insurance: Top 5 Features And Benefits

Finding Top 5 Features And Benefits Of Corporate Healthcare Insurance getting you down? Don't worry. We've made a list of features and benefits to help you

timer icon

Today’s world comes with a lot of risks, as well as multiple unforeseen situations, much like the pandemic and the lockdown. And it is important for each of us to stay protected against these unpredictable factors.

Gone are the days when employees simply looked at the figure on their paychecks before choosing a job. Nowadays they’re attracted to workplaces that offer benefits like corporate healthcare insurance so that they are medically and financially secure. These plans can also include the family members or their dependents.

Quick summary

In this article, you will learn about the top 5 features of Corporate health insurance:

  • Comprehensive cover for medical expenses
  • Cashless treatment
  • Pre and post-hospitalisation charges
  • Tax benefits
  • Network Hospital

You will also read about:

  • Top 5 advantages of Corporate health insurance
  • 3 disadvantages of corporate health insurance
  • Top 3 corporate insurance providers in India

What Is Corporate Healthcare Insurance?

A corporate healthcare insurance plan, also known as group health insurance , is a type of group health insurance plan designed for employees of a company or an organization.

Corporate healthcare insurances are enforced to protect employees from various risks, accidents, and financial losses, as well as to offer them healthcare benefits like maternity benefits, daycare treatment, and more.

Guide to best employee benefits

Guide to best employee benefits

Explore the latest trends in giving your employees the benefits they deserve.

This provides safety and mental health security to employees, which has long-term benefits. The coverage is provided by the employer via some corporate healthcare providers .

Confused while choosing between group health plans and individual health plans? Click here to read about Group Health Insurance vs Individual Health Insurance.

Top 5 Features Of Corporate Healthcare Insurance

Let’s look into the list of features under corporate healthcare insurance.

1. Comprehensive Cover for Medical Expenses:

A comprehensive cover for medical expenses suggests an all-inclusive insurance plan with extensive coverage , including from inpatient treatment to consultations, outpatient treatment, hospital stay, medical testing, and more.  

It offers family coverage, too, and thus provides greater security to your employees.

2. Cashless Treatment at Network Hospitals:

One of the key features of corporate health insurance plans is their tie-ups with network hospitals . Corporate health insurance providers have partnerships with prominent hospitals across the country after evaluating their facilities, doctor availability, and treatment quality, among other factors.

These hospitals are referred to as that specific insurer's network hospitals, where your employees will not have to spend a single dime out of pocket to the hospital and will still receive high-quality care.

All the expenses and charges of hospitalization and treatments are settled directly between the insurance provider and the hospital, and no cash has to be paid by your employee, or their dependent(s).

Find out the difference between network and non-network hospitals

3. Pre and Post-hospitalisation charges

Medical treatments do not just entail hospitalization or in-patient care, but also include medical testing, checkups, and other pre and post-hospitalization care . Employee health insurance includes these charges in its coverage, thus relieving your employee from paying extra out of pocket.

4. No waiting period

Individual insurance has a waiting period of around 3 to 4 years, before which you cannot claim your health insurance coverage.

However, corporate healthcare insurance does not have a waiting period, meaning that the medical coverage is activated for your employees and their dependents from the very first day.

Click here to read in detail about the waiting period with group health insurance plans.

5. Covers pre-existing diseases

If an individual suffers from any medical condition or disease before taking a group health insurance plan, such a condition is termed a pre-existing medical disease or condition.

With corporate health insurance, your employees can be covered despite having pre-existing or chronic diseases.

Now that we have covered the features of corporate health insurance, in order to see if corporate health insurance is the right choice for you and your employees, let us look into its pros and cons carefully before concluding a sale .

Top 5 Advantages Of Corporate Healthcare Insurance

Let’s look into a few advantages of corporate healthcare insurance.

1. Minimal intervention

One of the most significant advantages of group health insurance is that health coverage is purchased from corporate healthcare companies. From the start of the process to the end, the companies take care of every aspect.

Some corporate healthcare insurance companies like Loop even handle claims processes and provide HRs with a dashboard to automate processes. This ensures there’s minimal intervention from a third party and from your end as well. Thus making the entire process quick, simple, and hassle-free!

2. Improved employee satisfaction and engagement

Offering corporate healthcare insurance is not only beneficial for employees but for employers, too. Employers enjoy growth in their organizations with increased employee engagement and satisfaction and can retain talented employees.

Employee engagement handbook

Employee engagement handbook

A playbook for modern HR leaders to boost employee engagement with actionable solutions.

3. Tax Benefits

Providing corporate health insurance is not just beneficial to employers in terms of offering medical and financial security to employees, but it also comes with tax benefits . Employers pay the premium to insure their employees, which is classified as business expenditure.

This expense is recorded in the profit and loss statement of the employer and is eligible under the Indian Income Tax Act, 1961.

You can read more on the tax benefits of corporate health insurance here .

4. Increased employee retention:

By offering employees corporate health insurance, you are giving them better reasons to stay back at your company.

This will reduce your employee turnover rate, retain talented and experienced employees , and save a lot of money on hiring replacement employees.

5. Hassle-free and less time consuming

Corporate Health insurance is simpler and all the more hassle-free than individual plans as it requires no medical screening in order to receive coverage.

This means that in order to be included in a corporate insurance plan, your employees or the dependents do not need to undertake any prior medical tests or check-ups.

Top 3 Disadvantages Of Corporate Healthcare Insurance

Let’s look into a few disadvantages of corporate healthcare insurance

1. Policy Tenure

One downside to corporate healthcare insurance is that the policy will cover you as long as you are an employee of a certain company. Your coverage will not be extended further than your employment.

2. Coverage Amount

Insurance companies limit the sum insured of corporate health insurance, and it’s decided by your organization. However, your employees can choose to top up the premium amount at any point they wish to.

3. Lack of control:

Another downside to corporate coverage is that the entire thing is designed and decided by the employer, and thus the employees of your company have minimal control over their coverage and premium.

Top 3 Best Corporate Healthcare Insurance Providers

Let’s look into a few top healthcare companies in India.

Loop was founded in 2018 and since then, we’re one of the fastest-growing health benefits and employer insurance providers in India . 

Besides competitive rates, what makes Loop stand out from competitors is the in-house medical team of doctors. We also extend personalized health benefits along with dedicated 24X7 claims and customer support.

We have our own app along with an easy-to-use interface that serves as a single source of information for all our clients. Our pan-India presence enables us to serve customers across all states in the country.

Unlike other insurers, we focus on preventive care. This means that we pay doctors to keep your employees healthy rather than treating them only when they’re sick. 

Currently, we have 130K+ happy customers and 200+ HR teams. By the end of 2022, we’re targeting to cover over 1 million members and in the next 5 years, cover close to 5 million members across Southeast Asia. 

Recently, in a Series B round of funding, we raised $25 Million. This round was co-led by Elevation Capital and General Catalyst along with leading Silicon Valley investors like Khosla Ventures and Vinod Khosla. Prior to this, we raised $12 Million in a Series A round. Thus far, the total investment we have received is $40 Million.

The fresh funds are going to be utilized in different avenues like product development, sales, and development of new insurance and wellness products. 

Some new introductions you will get to see in the future are physical healthcare clinics. 

Anviti is an insurance broker who delivers insurance and reinsurance products to corporate clients. Along with their strong relationship with leading insurers and deep subject knowledge, they’re able to provide customized solutions. 

From employer health insurance to marine insurance to reinsurance to energy insurance, they offer a plethora of specializations. 

With their headquarters in Bengaluru and offices spread out throughout India in cities like Hyderabad, Chennai, Pune, Noida, and Kolkata, their services are accessible to all. 

3. Prudent:

Prudent Insurance Brokers Pvt. Ltd. has its headquarters in India in Mumbai. Other branch offices are scattered across the country in cities such as Pune, Ludhiana, Hyderabad, Chennai, Bengaluru, and Gurugram. 

They offer general and life insurance products to businesses of all sizes, both in India and abroad including public sector entities, and foreign and Indian MNCs. 

Throughout their many years of service, they have established a reputation of uncompromising integrity, value enhancement, and technical expertise for their customers. They are known to provide unique products to their clients.

Choose Loop To Cater To All Your Corporate Healthcare Needs!

Corporate healthcare insurance is beneficial to both the employees as well as the employers, and it paves a path to the betterment of overall health problems and medical security. It helps to cover multiple issues at once: with corporate health insurance, you get all the benefits, at a much lower cost.

Download an quick and easy-to-read guide for implementing corporate benefits that work for you and your organization.

As an HR manager, offering corporate health insurance to your employees' guarantees increased employee satisfaction and growth, so that even if you can't predict the future, you can protect it!

Loop Health provides the best group health insurance plans with free primary care and round-the-clock customer service. Our team of specialists provides you with comprehensive care at no cost!

You can always see a professional of your choosing at any time, whether tiny issues are delaying you from attaining your productivity goals or significant issues are getting in the way of your life!

So why go anywhere else!

Choose Loop ,

Let us take care of your team!

people enjoying loop's newsletter

Prescriptions for better employee health outcomes

Top HR picks

Top 10 Health Insurance Companies In Bangalore - 2023

Top 10 Health Insurance Companies In Bangalore - 2023

Why Is Health Insurance So Expensive Now - Must Read

Why Is Health Insurance So Expensive Now - Must Read

How Much Does Health Insurance Cost An Employer Per Person?

How Much Does Health Insurance Cost An Employer Per Person?

Corporate Healthcare Insurance: Top 5 Features And Benefits

Employee healthcare handbook

Not just for sick days

Super-charged healthcare benefits for modern teams

Insurance products are offered and serviced by Invoq Loop Insurance Brokers Pvt Ltd

  • Mission, Vision & Values
  • Individual & Family Marketplace Individual & Family Marketplace Healthcare Reform Do I Qualify? Qualifying Life Events FAQs Glossary
  • Medicare Marketplace About Medicare Get More Info Medicare Advantage Medicare Supplement Medicare Part D
  • Small Business Marketplace Small Business Marketplace Available States For Coverage Healthcare Reform Compliance Overview FAQs Glossary
  • Large Business Solutions & Quoting Benefit Design & Procurement Advanced Administration Solutions Case Studies
  • Carrier Service & Support

Corporate Health Insurance: Maximizing Employee Well-being and Business Success

Empower your team to thrive - Elevate your business with Corporate Health Insurance


Finding equilibrium between our personal and professional lives is becoming more daunting in our fast-paced modern world. Therefore, prioritizing one's overall health and well-being has become essential to balance personal and professional responsibilities effectively.

Companies must prioritize their workforce's health to promote a thriving work environment. This necessitates a thorough understanding of the current business climate and a steadfast commitment to providing comprehensive health benefits, such as Corporate Insurance Plans . Notably, a growing trend exists in offering corporate health insurance plans that extend coverage to employees' families, reflecting a company's dedication to its staff and acknowledging the significance of their loved ones' well-being.

By adopting such an approach, organizations can foster a positive and nurturing workplace culture that benefits employees and the company. Comprehensive health insurance coverage for employees and their families promotes stability, enhancing job satisfaction, engagement, and loyalty. These elements, in turn, benefit both employees and the company and improve the business's standing as an employer who puts the welfare of its employees first. Companies can cultivate a professional and supportive work environment by implementing a comprehensive health insurance strategy and recognizing the importance of employees' families.

What Is Corporate Health Insurance?

Corporate health insurance provides coverage for a group of employees within an organization, protecting them against sickness, accidents, and other health-related issues. This type of insurance is sponsored by the employer and is designed to offer comprehensive coverage to employees as a collective group. To attract and retain top talent, many companies now consider providing a basic health plan as a prerequisite for employment. By offering comprehensive health insurance with sufficient coverage, employers can demonstrate their commitment to the well-being of their employees.

Coverage of Corporate Health Insurance Plans: Services and Benefits

Corporate Health Insurance plans  are designed to offer flexible health coverage options to your workforce to ensure their medical and financial protection. Opting for corporate health plans for your employees highlights your concern for their welfare and readiness to invest in their future. The coverage options under these plans may differ from one insurer to another but typically include pre and post-hospitalization expenses, ambulance fees, daycare expenses, and other related medical costs.

Let us examine the various aspects of Corporate Health Insurance plans:

  • Additional Health Cover: Employees can opt to include their family members in their corporate health insurance plans, which extends the same protection and coverage to their loved ones.
  • Emergency Ambulance Charges: In emergencies, corporate health insurance policies cover the cost of ambulances that transport the patient to or from the hospital.
  • Maternity Coverage: Some companies offer extensive health insurance plans covering maternity expenses for female employees, their families, and male spouses. This coverage includes the costs associated with childbirth. Moreover, some of these plans also provide newborn coverage without any waiting period.
  • In-patient Hospital Services: If an employee or their dependent requires hospitalization due to an accident, sudden incident, surgery, or radiation, corporate health insurance plans cover all in-patient hospital services at network hospitals
  • Pre- and Post-hospitalization Expenses: Corporate health insurance policies typically cover pre-hospitalization expenses such as medical tests conducted before admission to the hospital. These policies also cover post-hospitalization costs, including medication, follow-up visits, and tests.
  • Day Care: Advances in medicine and technology have allowed certain medical procedures to be completed in a single day without extended hospitalization. Consequently,  corporate health insurance plans  now cover daycare procedures, bypassing the old 24-hour hospitalization rule.
  • Domiciliary Hospitalization Treatment:  Many corporate health insurance policies provide coverage for domiciliary hospitalization, which means that an employee or their dependents are covered even when they receive treatment at home.

Understanding How Corporate Health Insurance Functions

Corporate health insurance operates distinctively from individual health insurance plans. While individuals independently purchase the latter for themselves and their families, companies or employers provide corporate health insurance plans to their employees. These corporate policies often offer more cost-effective options, contributing to the reduction of overall healthcare expenses. Insurers can extend discounts and specialized benefits through these plans to incentivize cost savings.

Employers can provide comprehensive health insurance plans with enhanced coverage options, leveraging cost savings advantages. Corporate health insurance ensures employees receive superior coverage, safeguarding their long-term well-being. Coverage typically extends to immediate family members, encompassing parents, spouses, and children. The corporate health insurance policy  generally includes a predetermined sum insured, covering hospitalization and treatment expenses. Employees may be able to increase the sum insured through additional premium payments. Notably, if an employee departs or is terminated, their corporate health insurance policy  will be discontinued.

How Can Corporate Health Insurance Improve Employee Health and Wellness?

In the current demanding environment, prioritizing optimal health and well-being is crucial. Companies are increasingly recognizing the advantages of providing their employees with access to corporate health insurance. Corporate health insurance can offer numerous


benefits beyond financial protection, positively impacting employee health and wellness. Let's explore how corporate health insurance can improve employee well-being.

Ensuring Employee Security and Peace of Mind

Providing employees with access to corporate health insurance is more than meeting legal requirements or staying competitive. It's also about caring for your team's well-being and offering them peace of mind. With quality healthcare coverage, employees can feel secure knowing that they and their families are protected and can access necessary medical services when needed. Additionally, employees may be more likely to seek preventative care and address health concerns before they become more serious. Corporate health insurance can improve employee well-being and foster a more positive work environment.

Minimizing Costs of Employee Sick Days

Corporate health insurance is a beneficial tool for reducing expenses associated with employee sick days. By granting employees access to quality healthcare, they can receive timely medical attention, preventing minor health issues from escalating. Providing corporate health insurance represents a valuable investment for employers, showcasing their concern for their workers' welfare and fostering raised morale and motivation. By promoting a culture of wellness, businesses can effectively curtail employee sick days, leading to substantial cost savings and improved business continuity. Investing in the health and well-being of employees results in a more resilient and efficient workforce, ultimately contributing to the company's overall success.

Reducing Absenteeism and Boosting Productivity

Offering corporate health insurance to workers can significantly improve productivity and lower absenteeism. Accessing quality healthcare can lower the probability of employees taking time off work due to sickness or other health-related concerns. Organizations can benefit from better performance and increased efficiency by prioritizing employee health and well-being through corporate health insurance, as employees can be more focused and engaged. Employers can demonstrate their concern and care for their staff by emphasizing their health and well-being, leading to a more devoted and engaged workforce.

Lowering Employee Turnover and Improving Employee Retention

Corporate health insurance can significantly enhance employee retention and lower employee turnover. Employers can express their value for and commitment to supporting their employees' health by providing competitive healthcare benefits. This can help build a positive employer-employee relationship, increasing job satisfaction and reducing the likelihood of employees leaving for better benefits elsewhere. Additionally, employers can attract and retain top talent by investing in corporate health insurance, further strengthening their workforce.

Enhancing Job Satisfaction

Companies providing corporate health insurance to their employees can positively impact job satisfaction. Workers feel more secure knowing they have access to quality healthcare benefits, which reduces their worries about medical expenses. Offering health and wellness programs to employees can help employers demonstrate that they value their staff's health and well-being, leading to higher job satisfaction. When employees feel supported in their efforts to maintain good health, they are more likely to be engaged, motivated, and loyal to their employer. This can lead to a more positive and productive work environment.

Wrapping Up!

The importance of corporate health insurance cannot be overstated in terms of optimizing employee well-being and promoting business success. Providing access to high-quality healthcare, preventative services, and mental health support can significantly enhance employee health outcomes and overall satisfaction. By investing in their employees' health, companies may see a reduction in absenteeism, an increase in productivity, and improved staff retention rates, ultimately resulting in improved financial performance. A comprehensive health insurance program can also give employers a competitive edge in luring and keeping high-caliber workers in light of the rising healthcare costs.

In conclusion, providing corporate health insurance is an ethical and strategic choice for companies. By emphasizing employees' health and well-being, businesses can foster a constructive work environment and achieve sustained success. Offering a complete health insurance plan can also give businesses a competitive edge in luring and keeping top people in light of the escalating cost of healthcare. Investing in employee wellness is morally right and practical from a business standpoint.

CBC's Comprehensive Corporate Health Insurance: Invest in Your Health and Secure Your Future

Custom Benefit Consultants, Inc. (CBC)  has an experienced team and a wealth of resources to help your firm establish corporate health insurance. With CBC, you can have peace of mind knowing that you and your loved ones are protected by a robust corporate health insurance policy covering the medical needs of your participants. Our team will create a plan with competitive rates, personalized support, and access to a vast network of healthcare providers.

By entrusting CBC with your health and wellness, you invest wisely in yourself and your future. You can avail the advantages of a thorough corporate medical insurance  plan without exceeding your budget. CBC  understands that navigating the world of health insurance can be daunting, so they provide personalized support to guide you through enrollment and answer any questions.

In the present scenario, obtaining a reliable health insurance plan is more crucial than ever. Make sure to procure comprehensive health insurance for yourself and your dear ones at the earliest to avoid unforeseen circumstances.

Please contact us at  to learn more about how CBC  can help you and your company.

Recent Blog Posts:

Corporate leaders shaking hands through transparent glass

2024 ACA Affordability Updates: Compliance and Strategy Insights

Corporate leaders shaking hands through transparent glass

Compliance Excellence: Strategies for ACA Penalties and Mandates in 2024

Corporate leaders shaking hands through transparent glass

Dental Insurance Evolution: Affordable Care Act Impact in 2023

Corporate leaders shaking hands through transparent glass

Key Updates for 2024 Open Enrollment: What Employers Need to Know

Corporate leaders shaking hands through transparent glass

What Employers Should Know About Popular Weight Loss Drugs

Corporate leaders shaking hands through transparent glass

Health Care Costs Projected to Grow 7% in

Corporate leaders shaking hands through transparent glass

Small Business Health Insurance: Navigating the Basics, Challenges, and Benefits for 2023.

Patient using telehealth video chat

Congress Extends Telehealth

chalkboard saying Together Everyone Achieves More

Transparency in the Workplace

chalkboard saying Together Everyone Achieves More

Team Building Activities

Picture of a scale with money on one side and a household family on the other

Pay or Play Affordability

art of celebrating employees in front of the word team

Employee Recognition

Statistic trends chart with magnifying glass

2022 Voluntary Benefit Trends

  • Large Business Solutions and Quoting
  • Small Business Marketplace
  • Medicare Marketplace
  • Individual and Family Marketplace

Language Assistance:

Attention: This website is operated by Custom Benefit Consultants, Inc. (CBC), Ken Bahl, NPN: 4579133 and is not the public Health Insurance Marketplace website available under the federal Affordable Care Act and related state laws. In offering this website, CBC is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the government's Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the government's Health Insurance Marketplace website at

Custom Benefit Consultants, Inc./CBC Benefit & Insurance Services are licensed insurance agents. Insurance plans are offered by licensed insurance companies or health maintenance organizations. Health insurance plans on the CBC Marketplace are brokered and /or serviced by CBC Benefit & Insurance Services; CA License #: 0D75486

If you would like assistance in another language, please visit or contact us at (855) 332-3821 to access our language line.

All insurance products are issued by licensed insurance companies and made available to applicants through Custom Benefit Consultants, Inc./CBC Benefit & Insurance Services, which receives a commission from insurers to distribute these products. Your insurance policy, not the information on this site, determine the applicable terms and conditions of the insurance product. Neither Custom Benefit Consultants, Inc./CBC Benefit & Insurance Services nor its affiliates guarantee the services of any insurance company.


  1. Health Care Plan Template

    corporate health care plans

  2. Corporate Health Care Program: Benefits- Improved Productivity, Performance

    corporate health care plans

  3. FREE Healthcare Business Plan Template

    corporate health care plans

  4. Workplace Health in Harford County, Maryland

    corporate health care plans

  5. Healthcare Plan Templates

    corporate health care plans

  6. Typical Healthcare Plans are Changing

    corporate health care plans


  1. #health #healthcare #healthcaremarketing

  2. corporate health insurance || employee health insurance || cigna for brokers

  3. Cost of Health Care

  4. Corporate Health Insurance

  5. Health Care Plan in the Early Years

  6. How to Choose a Doctor?


  1. How to Find the Right Health Care Plan

    Your health is more important than anything else. A healthy person can keep earning money so always put your health ahead of your financial needs. Don’t make the mistake of thinking that you’re too young to consider your health care needs.

  2. What Is a MagnaCare Health Plan?

    A MagnaCare health plan is a type of health insurance plan overseen by MagnaCare in which a corporation chooses to pay most employee health claims themselves instead of signing up with an insurance company, according to MagnaCare.

  3. What Is Corporate Planning?

    Corporate planning is a strategic tool used by companies to set long-term plans to meet certain objectives, such as business growth and sales volumes. Corporate plans can be created and used by businesses of all sizes, but are most commonly...

  4. Corporate Health Insurance: Features, Types and Benefits

    Hence, Corporate Health Insurance is basically a Group Health Insurance Plan with employees defined as a group to be insured. Before the COVID-19 pandemic

  5. How Corporate Health Insurance Works and How to Choose the

    As healthcare costs continue to rise, corporate health insurance has become particularly essential to American workers and their families.

  6. Company Health Insurance Plans :: Healthplan

    Corporate Health Insurance Providers · Vitality · Aviva · Axa Health · Bupa · WPA · Freedom Health.

  7. Advantages and Disadvantages of Corporate Health Insurance plan

    A corporate health insurance plan is designed for the employees of a company or organisation. It is also known as group health insurance and is

  8. Corporate Health Insurance / Compare Best UK Plans 2023

    Corporate Medical Insurance is a highly-valued employee benefit that provides private healthcare treatment for your employees when they need

  9. International Corporate Health Insurance

    Corporates. As a global leader in insurance, we understand the needs of corporations and multinationals. We offer flexible plans to suit all budgets and fully

  10. How Does Corporate Health Insurance Work

    Corporate Health Insurances are designed to provide a flexible health insurance plan to your employees, in order to provide them with financial and medical

  11. Corporate Health Insurance: Features, Types and Benefits

    Features like benefit customization choices, cashless care at partner hospitals, daily cash benefits in the event of hospitalisation, etc., are

  12. Corporate Health Insurance

    In India, which has a large working population, employer-employee insurance benefits salaried individuals with limited access to health care coverage through

  13. Corporate Healthcare Insurance: Top 5 Features And Benefits

    Top 5 Features Of Corporate Healthcare Insurance · 1. Comprehensive Cover for Medical Expenses: · 2. Cashless Treatment at Network Hospitals: · 3. Pre and Post-

  14. Corporate Health Insurance: Maximizing Employee Well-being and

    Corporate Health Insurance plans are designed to offer flexible health coverage options to your workforce to ensure their medical and financial protection.