20 smart questions HRs must ask their brokers before buying group health insurance
Hidden Costs? Ask These 20 Questions Before Buying Group Health Insurance
By Pazcare
May 5, 2025
Group Health Insurance For The Civil Engineering Industry Employees
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Industry Wise Group Health Insurance Policy For Employees
Civil engineering industry - overview
Civil engineering is a professional engineering course that deals with the design, construction, and maintenance of public properties such as roads, dams, airports, etc. Engineering is a vast industry that is further sub-divided into different categories, civil engineering being the second-oldest form of engineering.
The civil engineering industry requires specialized knowledge of the application of physics and scientific principles of problem-solving nature. India has about 4.2K institutions employing civil engineers. 16K engineers work for companies with less than 100 employees whereas, 18.5K and 9.1K engineers work for companies having 100-1000 and 1000+ employees in India.
Why buy group health insurance for the civil engineering industry?
Buying group health insurance for employees in the Civil engineering industry has the following benefits.
- Tax benefits
When an employer pays towards the health insurance premium of the employees, he or she can use that amount to avail of tax benefits.
- Zero waiting period
In group health insurance, there is a zero waiting period policy. This means that your employees can start using their insurance cover from day 1 of the issuance of their policy.
- Customized policy
You can look through various insurance options and choose the best policy for your team. These policies can be tailor-made according to your requirements.
- Employer branding
Offering group health insurance policies along with incentives and bonuses will attract and retain the right talents.
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Things to know before buying group health insurance for the civil engineering industry
- Wide network hospital
Because your employees work from all over India, you never know where the need for medical assistance may arise. For your employees’ safety, make sure that the cashless network hospital list is long. This will increase the chances of locating a network hospital near your location.
- Add-on benefits
Your insurance policy may not provide coverage for small operations like dental surgery, eye surgery, etc. Make sure that you check the add-on benefits to include in your insurance policy before making the purchase.
- Family coverage
Many insurance policies provide coverage to not only the working individual but also their spouse. However, this depends on the type of group health insurance policy. For instance, you can choose to opt for the policy which covers your parents/in-laws and children too.
- In-patient hospitalization
Your group health insurance should cover all or some of the in-patient hospitalization charges in case of emergency. If it is not included, you may find it as an add-on benefit too.
These are the few pointers to look out before buying group health insurance for the Civil engineering industry employees.
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For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.
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Group health insurance for civil engineering industry employees FAQs
What is the claim settlement ratio?
Claim settlement ratio is the number of claims settled to the number of claims received in a policy year.
Are maternity and newborn child care included in group health insurance?
Yes, group health insurance policy includes maternity and newborn child care.
Does group health insurance offer a cashless facility?
Yes, if you choose to get treated in a network hospital, you can avail of the cashless treatment facility.
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