Most HRs ask the usual insurance questions—premium costs, hospitals covered, TPAs—but hidden charges, claim delays, and policy loopholes often create chaos when employees actually need medical help.
Before you finalise a group health insurance plan, ask these 20 critical questions to protect your team from unnecessary hassles—and yourself from endless emergency calls.
Over 70% of HR professionals struggle with hidden costs in insurance plans.
This brings to question, whether you are asking the right questions before finalising on a group health insurance or employee health insurance.
As an HR, you are juggling hiring, payroll, leaves—and yes, insurance. When it's time to renew or buy a group health policy, you probably ask the usual three:
Fair questions. But here's the kicker: They barely scratch the surface.
The real challenges begin when an employee is stuck at the hospital, confused about claim approvals, or frustrated with hidden charges—and guess what? Their first call is to YOU.
Let's stop the chaos before it starts. Ask these 20 thoughtful questions upfront to ensure a smoother experience for your employees (and fewer midnight SOS calls for you).
Your team needs this ASAP during emergencies. Make sure it's available before the policy kicks in.
Where do they go? Is there a helpdesk? Or will they flood your inbox with questions?
You need a real person, not a vague "We'll take care of it." Get a dedicated contact.
Will they assist with admission formalities? Speak to hospital staff? Or say, "Wait and see"?
Even seasoned HRs get tripped up here. Insist on examples you can actually understand.
Delays lead to panic. No card, no admission. Solve this beforehand.
Because seamless access = fewer queries = happier employees.
Don't wait till renewal to uncover issues. Monthly updates give better control.
People won't read long PDFs. A quick training now saves 100 repetitive queries later.
A simple step-by-step guide prevents confusion during critical moments.
Surprise bills at the hospital? Not ideal. Transparency builds trust.
Let's be real—this is where most people ask for help first. Make sure support is available where they actually communicate.
Case studies speak louder than fancy presentations.
Emergencies escalate fast. HRs need a clear step-by-step path for issue resolution—who to call, when, and what to expect.
Can they continue coverage on their own? Will they lose benefits instantly?
Diverse teams need flexible benefits—not one-size-fits-all plans.
Because speed matters when someone is unwell. Ask for actual numbers.
Are employees using what you're paying for? Make sure it's not going to waste.
Nobody wants a bot when they're in distress. Ensure real support exists.
This is the best way to know if your broker truly delivers.
Buying insurance isn't just ticking a box—it's ensuring your employees feel secure when they need it most.
And you? You shouldn't be stuck in the middle, troubleshooting claim calls while juggling a dozen other HR priorities.
Ask the right questions today—save yourself headaches tomorrow.
Want to check if your broker ticks all 20 boxes? At Pazcare, we've built our service with these exact pain points in mind. Let's chat!
Group health insurance is a type of health insurance plan that covers a group of people, typically employees of a company, under a single policy. It covers medical expenses, including hospitalization, surgery, and preventive care.
The different types of group health insurance plans are E, ESC and ESCP policies. The coverage offered are for employees only, employees, spouse and children only and employees, spouse, children and parents/parents-in-law.
Yes, most Group Health Insurance plans offer coverage for your employees' family members, including spouses and dependent children.
Best pricing for you.
Best claim support for your team.
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