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 primary & secondary education Industry
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Primary/secondary education industry - Overview
The primary/secondary education industry lays the foundation for a child’s development and growth. The crucial years of a child’s life are shaped by the type of primary and secondary education he or she receives while growing up. It is the foundation of higher education and the career path that a child will choose in the future.
Education itself is important in making sure that a child may not contribute to the growing poverty and homelessness of a country. Through education, a child learns to read and write which remain with him or her throughout their life. With technology in tow, the teaching and learning parameters have changed for the better.
Now the children can learn through cloud-based technology and the whole teaching and learning scenario has shifted to various other means. It does not cater to classroom education alone. There are over 1 Lac schools providing basic primary and secondary education to children all over the country. More than 1 Lac people are employed in schools/ organizations with 0 - 100 employees. 4.4K employees work in schools with 100 - 100 employees whereas just about 300 employees work in schools/ organizations with 1000+ employees.
Why buy group health insurance for the primary/secondary education industry?
The basic education for every child in India is given through primary or secondary schools. They are responsible for laying a concrete foundation to young minds, which is only possible through great employees. It is because of employees only that the primary/ secondary education system has scaled heights and contributed to shaping young minds.
- Employee retention
Offering employees health benefits helps in retaining employees as they are relieved from any financial stress that may arise because of a medical emergency.
- Tailor-made benefits
You can customize the policy according to your employees. Simply put, you pay for what you choose.
- Employer branding
Providing health insurance benefits with other incentives goes a long way in generating goodwill and attracting talents.
- Improve job satisfaction
Your employees are likely to be more satisfied in their jobs after knowing that their family is secured if a medical emergency knocks at their door.
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Things to know before buying group health insurance for the Primary/secondary education industry
Different types of group health insurances are available in the market to choose from. Make sure you chose the policy which suits your employees and proves itself useful.
- Exclusions of the policy
Make sure to check what is excluded from the group health insurance policy before making the payment to avoid unnecessary problems in the future.
- Inclusions of the policy
Always check what is included in the group health insurance like pre- and post-hospitalization expenses, etc.
- Add-on benefits
The add-on benefits come in handy as you can cover a lot of other things on top of the base policy at an affordable extra premium.
- Claim settlement ratio
CSR is important because it acts as an insight into the insurer.
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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 Primary/secondary education industry employees FAQs
Who can be added to a group health insurance policy?
You can add your spouse, children, parents/ in-laws to a group health insurance policy.
How many times can a health insurance policy be claimed?
You can claim your group health insurance policy till the sum insured gets exhausted in a financial year.
Are there any exclusions in the group health insurance policy?
Yes, there are some exclusions in group health insurance policies like cosmetic surgeries and self-harm. You must check with your insurer to check the exclusions in your policy.
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