Difference between OPD and IPD [Treatment + Insurance]
Learn the meaning of OPD and IPD, its differences and claim process.
October 31, 2023
Total estimated yearly premium
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₹ 5,000 per life
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Industry Wise Group Health Insurance Policy For Employees
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.
Buying group health insurance for employees in the Civil engineering industry has the following 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.
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.
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.
Offering group health insurance policies along with incentives and bonuses will attract and retain the right talents.
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.
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.
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.
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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Claim settlement ratio is the number of claims settled to the number of claims received in a policy year.
Yes, group health insurance policy includes maternity and newborn child care.
Yes, if you choose to get treated in a network hospital, you can avail of the cashless treatment facility.
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