Is It Legal to Make Group Mediclaim Policy Mandatory for All Employees? Seeking Advice

Dear Fellow Members,

I wanted to check if making a Group Mediclaim Policy mandatory is illegal in any way. Of course, for exclusion, an employee can submit personal policy proof, but if the employee does not have anything, can we enforce it? The fact is, last year, we were very lenient with this policy, and hence, this year's premium has doubled! So, in order to have maximum participation and a lower claim ratio, can we make it compulsory for all employees? Please suggest.

Regards,

Normally, this is a benefit given by an employer to the employees. There is no compulsion involved. Also, if you add more people to the policy, the claims will increase, resulting in higher premiums.

Regards,
Prabakar

In the Middle East, it's part of getting your work permit, with all expenses paid, including OPDs. There are 3-4 different categories, though.

In India, I have introduced group medical insurance for part-time/contractor/homeworkers under ETI. The benefits are immense compared to standalone policies, especially regarding coverage of pre-existing diseases, maternity, old parents, etc., from day one. There is even a scheme for disadvantaged artisans in the handicraft category wherein the entire family gets covered, and the worker's contribution was quite low at 200 pa.

Have you heard of the Self-Employed Women's Association? They too have introduced medical insurance, loans, etc., for their members, harnessing the power of groups.