Difference between OPD and IPD [Treatment + Insurance]
Learn the meaning of OPD and IPD, its differences and claim process.
By Pazcare
October 31, 2023
Group Health Insurance - For the Internet Industry
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Total estimated yearly premium
*only basic terms and conditions applied
₹ 100,000
₹ 5,000 per life
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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 |
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Internet Industry - Overview
The internet industry is the basis of almost all the things that we are now able to do. The development of the internet has been tremendous and it is increasing each day. The internet caters to every industry as it is a holistic term on which many companies are based. The online retail market is growing by the day because of new developments daily.
The internet industry has made lives easier by giving options such as doorstep delivery, which has resulted in people trusting the internet industry. The addition of artificial intelligence (AI) will also play an important role in the future as many industries will opt for it to make their work much easier.
India is home to about 2.19 Lac internet industries. Out of which, 0 - 100 employee companies offer employment to over 3.88 Lac people. Companies having 100 - 1000 and 1000+ employees provide employment to 3.27 Lac and 1.67 Lac workers respectively.
Why buy group health insurance for the internet industry?
Group health insurance has ceased to be a benefit but is now a necessity. The global pandemic made people realize the importance of having enough financial resources to sustain themselves in the face of a health crisis and insurance is an investment for health.
- Financial assistance
One of the major benefits of a group health insurance policy is the financial safety net that it provides the employees with.
- Tailor-made benefits
You can choose the inclusions and exclusions you want in a group health insurance policy. You only pay what you chose and your insurance policy will be customized according to your staff only.
- Retain employees
Offering health coverage to your employees will be a great addition to your list of incentives.
- Job satisfaction
Your employees will feel secure in their jobs as their financial requirements will be met in case of a medical emergency.
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Things to know before buying group health insurance for the internet industry
With a myriad of options available, check some parameters before choosing a group health insurance plan for your employees.
- Claim settlement ratio
The claim settlement ratio should be checked before buying a group health insurance plan. Always choose an insurer with a high CSR.
- Network hospital list
With remote culture being the new normal, always choose an insurer with a longer network hospital list to make sure your employees are covered from anywhere in the country.
- Exclusions and inclusions in your policy
Always make a note of what are the exclusions and inclusions of the insurance company to keep away from unnecessary hassle at the time of claims.
- Easy endorsements
The addition of employees should always be seamless. Choose an insurer who makes it a smoother process.
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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 internet industry employees FAQs
What are the types of policies available?
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There are 3 different types of policies - employees only, employees+ spouse+ children, and employee+ spouse+ children+ parents/in-laws.
Is maternity cover included in the group health insurance policy?
You should check with your insurance provider/ company if they provide maternity benefits. However, it can be purchased as an add-on benefit.
Are ambulance expenses covered in the group health insurance policy?
Your group health insurance might or might not cover ambulance expenses but it can be added as an add-on benefit in the base policy at an extra premium cost.
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