GIPSA, PPN and Empanelment in Health Insurance - Explained
GIPSA, PPN in GIPSA, Points to remember before opting GIPSA services, hospitals, empanelment
By Pazcare
February 20, 2023
Group Health Insurance - For the farming Industry
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Total estimated yearly premium
*only basic terms and conditions applied
₹ 100,000
₹ 5,000 per life
Talk to our experts to get exact premium estimates
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Median Fixed Cover | |
Maternity Cover | |
| Rs 3 Lac sum insured | Yes | |||
|
OPD Cover | |
Doctor Consultations | |
| No | Yes | |||
|
Wellness programs | |
Type of policy | |
| Weekly | Employee only, Employee, Spouse, Children / Employee, Spouse, Children, Parents/in-laws |
|
Median Fixed Cover |
| Rs 3 Lac sum insured | |
|
Maternity Cover |
| Yes | |
|
OPD Cover |
| No | |
|
Doctor Consultations |
| Yes | |
|
Wellness programs |
| Weekly | |
|
Type of policy |
| Employee only, Employee, Spouse, Children / Employee, Spouse, Children, Parents/in-laws |
Calculate Premium Here
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Farming industry - Overview
The farming industry is the source of income and livelihood for a majority of the population. Agriculture, a subsidiary of the farming industry is directly responsible for a part of India’s GDP. While it generates employment for rural as well as the urban population, the Indian food industry is soaring high.
Around 4K companies are involved in the farming industry operating at small scale as well as large scale. Companies having 1-100 employees, 100-1000 employees and 1000+ employees provide employment to 5.8K, 6K, and 8K individuals respectively.
Why buy group health insurance for the farming industry?
Health insurance has now become an essential and eminent part of our lives. Securing your employees and their families in their times of need should be a priority of every business owner. Some of the many reasons to buy group health insurance are -
- Tax benefits
The premium paid by employers towards group health insurance for their employees is not taxable.
- Tailor-made
You can get your group health insurance policy customized according to your needs. You can choose to add/delete benefits accordingly.
- Financial security
Your group health insurance provides a financial safety net in medical emergencies.
- Employer branding
It will also generate goodwill among your employees and motivate them to work harder.
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Things to know before buying group health insurance for the farming industry
There are a couple of things every employer should keep in mind before investing in group health insurance plans. Some are listed below -
- CSR
The claim settlement ratio is one of the most important things to check before buying an insurance policy as it provides valuable insight into the reliability of your insurance provider.
- Ease of endorsements
It is imperative to make sure that future employees can easily settle into the existing group health insurance policy without any inconvenience.
- Waiting period
Group health insurance comes with zero waiting period. But for some add-on benefits, there may be a waiting period of a few months.
- Exclusions in policy
Go through the terms and conditions of your insurance policy thoroughly. Keep a check on all the exclusions in your chosen policy.
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For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.
Group health insurance for farming industry employees FAQs
Can I add my spouse to my group health insurance policy?
Yes, you can add your spouse, children, and parents/ in-laws to your group health insurance policy.
Is maternity benefit included in group health insurance?
You can check with your insurer if they provide maternity and newborn benefits in their policy. If not, it is available as an add-on benefit as well.
Can the sum insured be increased?
Yes, you can choose to increase your sum insured by paying an extra premium. Pazcare offers a super top-up feature where the sum insured can be increased by up to 20 Lacs.
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