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 Research Industry Employees
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Research Industry - Overview
As the name suggests, the research industry offers its services to provide in-depth, well-researched knowledge to its customers. It is a vast industry that serves a wide range of audiences. With over 7.7K companies involved, the research industry is growing at an annual rate of about 18-20% per annum.
The researchers are required to offer maximum input and give a detailed and well-versed output for every industry that they work for. Some such industries are media research, analytical research, consulting, etc. With a large population in a country like India, it becomes problematic to do thorough research on a topic. But with the expertise, skills, and knowledge that they possess, the research industry is highly revered.
The research industry has over 39.4K people working in companies with 0 - 100 employees. While 48.2K people work for companies with 100 - 1000 employees. 36.4K of the population is employed in companies with over 1000 employees.
Why buy group health insurance for the research industry?
- Customized plans
Group health insurance can be easily customized according to your requirements.
- Improve Productivity
It will also enhance the productivity of your employees as their mental stress will significantly reduce and job satisfaction will increase.
- Employee retention
Your employee retention rate will increase significantly with job security and medical emergencies covered.
- Employer branding
In today’s competitive job market, incentives to provide group health insurance to your employees would aid in your branding.
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Things to know before buying group health insurance for the research industry
- Inclusions and exclusions
It is essential to keep a tab on different inclusions and exclusions in your group health insurance policy. To use your health insurance policy fully, you must read the fine print beforehand.
- Network hospitals
You should check the list of network hospitals for cashless treatment. In certain medical treatments, time is of the utmost importance. In such cases, a large number of network hospitals means the chances of locating one near your location increases.
- Add-on benefits
You should always check with your insurer about any add-on benefits that you can avail like zero depreciation cover, personal accident cover, voluntary deductibles, etc.
- Claim settlement ratio
A higher claim settlement ratio reflects the credibility of the insurer. It is simply the number of claims settled to the number of claims received by your 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 research industry employees FAQs
What are the documents required for claiming group health insurance?
You need to carry valid ID proof like an Aadhar card, PAN card with the original hospital bills and receipts, health ID card, company ID card, and policy number.
Can the employees add their family members to group insurance for employees?
Yes, the employees can add spouses, children, parents/in-laws to their group health insurance.
Are doctor consultations included in group health insurance from Pazcare?
Yes, unlimited doctor consultations are a part of group health insurance from Pazcare.
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