I think you can opt for mediclaim
you can get the mediclaim policy as group mediclaim policy where you can take cover of either 1+1, or 1+4, 1+6
Since yours is an IT company so the age group wont be too high i suppose
the premium will be low and you can negotiate with the insurance companies
Take quotes from atleast 3 insurance companies and compare the rates
You can lower down the premium upto 50% depending on the rates
Insurance cpompanies give a lot of unneccesary covers which can be waived off
Again Health Insurance saves taxes
Group mediclaim or individual mediclaim has two claim processing procedures
Cash less and Reimbursement
Cash less is that where the insured does not have to pay a single penny from his pocket
He has to flash the cash less card in the network hospitals
and
Reimbursement is the procedure where all the bills have to be submitted
Now a days everyone opts cashless
but if the employees family is covered and they are in remote places than reimbursement is the only option
also take cover for maternity(if woman employee is there),Pre and post hospitalisation covers etc.
If the crowd is in the age group of 35 + you can waive off maternity benefits
From India, Bangalore
3you can get the mediclaim policy as group mediclaim policy where you can take cover of either 1+1, or 1+4, 1+6
Since yours is an IT company so the age group wont be too high i suppose
the premium will be low and you can negotiate with the insurance companies
Take quotes from atleast 3 insurance companies and compare the rates
You can lower down the premium upto 50% depending on the rates
Insurance cpompanies give a lot of unneccesary covers which can be waived off
Again Health Insurance saves taxes
Group mediclaim or individual mediclaim has two claim processing procedures
Cash less and Reimbursement
Cash less is that where the insured does not have to pay a single penny from his pocket
He has to flash the cash less card in the network hospitals
and
Reimbursement is the procedure where all the bills have to be submitted
Now a days everyone opts cashless
but if the employees family is covered and they are in remote places than reimbursement is the only option
also take cover for maternity(if woman employee is there),Pre and post hospitalisation covers etc.
If the crowd is in the age group of 35 + you can waive off maternity benefits
From India, Bangalore
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