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Health Insurance ( Mediclaim ) - Policy Design,
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Hi Friends,
I have one confusion, as per my understanding , medical insurance is compulsory or i must say every employer is suppose to provide the medical insurance to all their employees.(As per Law)
Please correct me?????
Rupendra Mehta

From India, New Delhi
Hi Rupendra,
That thank you was a mistake, i didnt intend to do it.
For the same the employer provides the esi service as well the medical is included in the CTC.
Some MNC's do provide medical insurance as well.
Hope the above sorts your query.

From India, Thana
Dear Aj,
thanks for your reply, i know as per ESI every employer is liable to provide medical insurance and some of the MNCs provides but here my intention is employer is bound to provide this insurance to employees or its on employer's wish. (means there is no any such law except for ESI)

From India, New Delhi
Hi Rupendra,
As far as my knowledge permits me to comment.
The employer is not bound by any law to provide medical insurance other than ESI.
Though there is a law in case of health hazards caused due to working in factories because of continous exposure to chemicals, the company is liable to cover the entire medical cost.

From India, Thana
I have the same opinion that there is no law for compulsory medical insurance other ESI . but If somebody is injured while performing his duties he is covered under workmen compensation act.
From India, Lucknow
Hello Friends,
Health insurance is health care provided by an employer. When a company provides health insurance benefits, they pay for all or part of the health insurance premiums for their employees. Employers are not required to provide health insurance coverage to employees. Health insurance is typically a matter of agreement between an employer and employees. By definition, health insurance coverage is an employee welfare benefit plan established or maintained by an employer or by an employee organization like union, or both, that provides health care for participants and their dependents through insurance coverage or reimbursement.
Regards Jyoti

From India, Delhi
Insurance for employees is not a compulsion for the employer. However, the scenario is changing quite fast and a lot of companies are opting to insure their employees. Recently, the International CII Health Insurance Summit was held in Delhi and the same was discussed.
Read the report for more insight on employee health insurance. Hopefully, things will improve further in the future.

From India, Mumbai
Health Insurance as of now is not mandatory .But ESI which is Health Insurance provided by the Central Govt is mandatory for employees coming within a salary bracket .
As a welfare measure Medical Insurance is provided as otherwise Corporates would need to evolve a scheme for its Staff to re-imburse the cost of treatment for major illness.

From India, Bangalore
Health Insurance is now being viewed more as an employee attraction and retention tool. With increase in health insurance premiums over the past 3 - 4 years, many companies were seen as reducing benefits especially towards coverage of parents. Much of employee benefits in insurance is now typically being driven from industry specific practice ( it is seen as a given in IT and ITES industries - providing relatively more liberal benefits, this in comparison to Manufacturing sector), size of the company and its premium paying capacity, any domestic or international employee benefit policies ( especially applicable in MNC's) etc.
There was a recent observation by Mr. Montek Singh Ahluwalia suggesting that health insurance should be made mandatory for the organised sector but its a different matter to finally seeing it implemented. You should note that at National Policy framing level, they see the uncomfortable truth with only about 2 % population having any form of private commercial health insurance.

Will be glad to answer any further specific query you may have on designing a health insurance policy, insurer selection or administration of the program.

Regards, Deepak
( Subject Matter Expert - Health Insurance )

From India, New Delhi
Dear All,
Hope you all doing Good,Still i have an doubt,First of all i would like to tell about my company,its a logistical back office,We have a very big view about our company in future,now 10 members are working,thing is they are not detecting any PF,ESI,INSURANCE but as a hr i would like to provide some benefits to my staffs so please suggest me in a better way friends.I just want to know, now is that insurance is mandatory or what if its mandatory mean,i would like to know which act it was made.Waiting for your auspicious reply,

From India, Karur

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