78% of employees are more likely to stay with their employer due to their benefits, this is according to a FICCI Report. The kind of health benefits you provide for your employees defines the nature of your organization's culture. Employees are now looking for more than salary and organizations need to keep up.
“Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients.” - Richard Branson
In today's world, a good salary isn't enough. Employees want perks that actually matter like solid health insurance, access to doctors without jumping through a million hoops, and even discounts on gym memberships (because, let's face it, motivation isn't free).
If you're an employer looking to level up your benefits game, or an employee curious about what you should be getting, you're in the right place. Let's break down the must-have health benefits, why they matter, and how they can turn your company into a workplace that people don't just work for but want to work for.
This is the bread and butter of any benefits package. Without it, you're basically saying, "Good luck out there!" and no one wants that.
Hospital bills are no joke. IPD coverage ensures employees (and their families) don't have to worry about medical expenses if they get hospitalized. It covers treatments, surgeries, and all those unexpected medical surprises that life throws our way.
Starting Cost: ₹5,000 per employee/year
Accidents happen. This coverage provides financial protection in case of unexpected mishaps, disabilities, or worse. It's basically a safety net for life's "oops" moments.
Starting Cost: ₹2,000 per employee/year
Life is unpredictable, and while we don't like thinking about it, having life insurance means employees' families are taken care of in case of an unforeseen tragedy. It's a small investment that makes a huge difference.
Starting Cost: ₹1,000 per employee/year
Trying to start Group Health coverage on a budget? Download our first time buyers guide. It simplifies the process for you.
Most people don't visit a hospital unless absolutely necessary—but they do visit doctors, get lab tests, and pick up meds. That's where Primary Care benefits come in.
Doctor visits, diagnostics, and prescriptions can add up quickly. An OPD Wallet covers these costs, making it easier for employees to manage everyday health needs without dipping into their savings.
Starting Cost: ₹3,000 per employee/year
Fun Fact: OPD benefits are a hot commodity, 50% of employees are already using them! If your company doesn't offer this yet, it's time to reconsider.
Health benefits aren't just about treating sickness, they should also help employees stay healthy in the first place. That's where preventive care comes in.
Regular health checkups help catch issues early, saving employees from big health (and financial) problems later. Knowing your cholesterol levels makes you feel like an adult, right?
Starting Cost: ₹2,000 per employee/year
A little friendly competition never hurt anyone especially when it involves walking more and winning prizes. Many companies offer step tracker programs that reward employees for hitting their fitness goals.
Complimentary with wellness platforms like Pazcare
Let's be real, most of us need extra motivation to hit the gym. A discount on a gym membership might just be the push employees need to stop paying for a gym finally they never go to (or actually start using!).
Cost: Varies, but corporate discounts make it way more affordable.
Workplace stress, anxiety, burnout, and personal challenges can affect an employee's well-being and ability to work. Providing access to mental health support helps employees seek professional guidance when they need it.
Companies can include the following mental health benefits in their employee wellness programs:
Online doctor consultations allow employees to connect with qualified medical professionals without traveling to a clinic for every appointment. Depending on the benefits offered, employees can consult general physicians and specialists through a digital healthcare platform.
Why should companies include doctor consultations in employee health benefits?
For HR teams, doctor consultations can be a useful addition to group health insurance because they address everyday
Infertility Coverage is Gaining Momentum
As conversations around reproductive health become more open, more companies are stepping up.
1 in 3 women are considering freezing their eggs, and a whopping 88% want their company to cover the Cost.
Right now, 41% of Indian companies include infertility treatments in their health insurance.
OPD Plans Are a Must-Have
With 50% of employees already using OPD benefits, it's clear that everyday healthcare support is just as important as hospitalization coverage.
Let's break it down:
If you're an employer, offering great health benefits isn't just a nice-to-have, it's a must-have if you want to attract and retain top talent.
And if you're an employee? Ensure your company is offering the right perks because you deserve benefits that work for you.
When looking for a broker specializing in employee health benefits for businesses, choose one that offers more than just insurance policies. The right broker should help you compare plans from multiple insurers, customize coverage based on your workforce, manage renewals, support claims, and provide employee wellness solutions. Comprehensive brokers like Pazcare also offer corporate wellness programs, flexible employee benefits, HRMS integrations, and dedicated claims support, making it easier for businesses to manage employee health benefits from a single platform.
When evaluating employee health insurance companies, look beyond just pricing. Focus on flexibility in plan design, quality of the claims experience, digital capabilities (like app-based access and real-time tracking), and the ability to offer add-ons such as mental health, OPD, and parental coverage. A good partner should also provide insights and analytics to help you improve your policy over time.
The process generally involves:
Pazcare offers a comprehensive employee health insurance solution that’s deeply integrated with digital-first benefits.
A broker manages the claims process on the employer's behalf, which includes guiding the employee or their family through documentation requirements, coordinating with the TPA for cashless approvals or reimbursement processing, following up on pending or disputed claims, and escalating to the insurer when a claim decision appears inconsistent with policy terms. This support is particularly valuable for complex claims involving large amounts, partial settlements, or disputed exclusions.
Best pricing for you.
Best claim support for your team.
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