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Hi seniors myself Hemanth from a manufacturing industry, can anybody suggest which is the best health insurance policy to provide employees who are not covered under ESIC?
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Dear Hemanth,
I suggest you meet a few vendors and understand what they have to offer to your organization. Though Group Mediclaim policy offerings are generally standard in nature; yet some value additions and premium differs basis the number of lives covered. Following are some of the key points you should look at while deciding a mediclaim policy:
1. Who all will be covered along with the employee like parents, spouse, maximum number of kids
2. Total coverage amount per employee; and an option to autorefill
3. If you want to cover treatment that usually are not covered under the standard policy like dental, OPD etc
4. Whether you want to keep it cashless or the employee can claim it through reimbursements.
Thank you Rahul Sir you have given best key points to consider
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