Dear Fellow Members,
I wanted to check if making Group Mediclaim Policy mandatory was illegal in any way? Of course, for exclusion, an employee can submit the personal policy proof, but if the employee does not have anything, then can we force it? The fact is, last year, we were very lenient with this policy, and hence, this year's premium is doubled! So in order to have maximum participation and a lower claim ratio, can we make it compulsory for all employees? Please suggest.
From India, Pune
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1I wanted to check if making Group Mediclaim Policy mandatory was illegal in any way? Of course, for exclusion, an employee can submit the personal policy proof, but if the employee does not have anything, then can we force it? The fact is, last year, we were very lenient with this policy, and hence, this year's premium is doubled! So in order to have maximum participation and a lower claim ratio, can we make it compulsory for all employees? Please suggest.
From India, Pune
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Hi,
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
From India, Madras
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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
From India, Madras
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In the Middle East, it's a part of getting your work permit, 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 versus standalone policies, especially related to 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.
From India, Delhi
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In India, I have introduced group medical insurance for part-time/contractor/homeworkers under ETI. The benefits are immense versus standalone policies, especially related to 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.
From India, Delhi
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Employee reference policy.doc