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Recently, the Madhya Pradesh High Court ordered all employers in the state to compulsorily provide health insurance coverage to their employees. This ruling comes after Covid-19 lockdowns caused widespread health problems among people. As an employer, knowing how to choose the right employee health insurance plan for your employees is essential. 

But don't worry - this blog is here to help! In this article, we'll talk about the employee health insurance plan and give tips on selecting the right one for your employees. So read on and start protecting your employees' health today!

How to Select the Right Employee Health Insurance Plan? 

Employee health insurance is a vital part of any business/organisation, and it's essential to take the time to select the right plan. Before making a decision, it's critical to understand your employees' needs. This includes their age, health status, and work location. Additionally, ask them about their health history and any questions they have about coverage. Once you understand your employees well, it's time to consult with an insurance advisor. They can help you choose the right employee health insurance plan for your business. So, why not start today and save some time and money? 

Correct Sum Insured for An Employee Health Insurance Policy 

It is crucial to ensure your employees have the right health insurance policy. This will ensure that they are taken care of in times of need and receive the medical treatment they need without fear of financial hardship. The first stage is to ask yourself: what are your employees' needs? From there, you can identify which coverage you require for them and add it to your list of requirements. Once you have finalised the plan, contact health insurance providers for businesses of various sizes and shapes. Compare quotes before deciding, so you get the best deal possible for both sides! Remember, comprehensive coverage is vital when choosing an insurance policy for your business! 

Employee Health Insurance Coverage 

When it comes to employee health insurance, it is essential to take the necessary steps so that everyone benefits from the coverage. First and foremost, you need to identify which employees will require health insurance coverage. Once you have done this, it's time to look into the various medical insurance plans available on the market. Make sure you compare them thoroughly to save money and take advantage of an ideal plan for your business. Once you have selected a plan for your employees, ensure they know their rights and obligations under their policy. This way, they can be proactive about taking care of their health and stay safe at work! 

Waiting Period of The Employee Health Insurance Plan 

Knowing the different health insurance plans available on the market is essential, and determining which one fits your company's needs is necessary. Once you've decided, make sure you have a waiting period for new employees before they enrol in coverage - this will give you time to review their benefits and determine if any changes or amendments are needed. 


Coverage for Employees' Family Members 

Employees' family members are vital to them and should be treated as such. That is why choosing the right health insurance plan that covers your employees and their family members are essential. Make sure you understand each plan's benefits, exclusions, premiums and coverage levels before making a decision. An insurance advisor can help you compare different plans, find the best one for your business, and answer any questions about employee health insurance plans. 

Maternity Cover Benefits in Employee Health Insurance 

Maternity benefits are among the many essential advantages of employee health insurance plans. A maternity cover should include all the necessary services a woman needs after delivering her baby, including labour and delivery, post-natal care, and childcare facilities. Employees need to be aware of their maternity benefits in an emergency or when travelling out of town for childbirth or post-natal care. Employers should ensure that employees know about these benefits and how they can use them, especially if they plan on having children soon. 

Network Hospitals List by Employee Health Insurance Provider 

Network hospitals listed by employee health insurance providers can help employees find the best medical insurance plan that suits their needs. By checking out this list, they can compare rates and find a healthcare provider covered under their plan. Furthermore, ensuring all terms are understood before signing up is essential, so there are no surprises later. 

Cost of The Employee Health Insurance Premium 

The premium will vary depending on a few factors, such as company size, age, employee gender, etc. You can also compare different types of plans before making a final decision. Make sure you have proper insurance coverage before hiring new employees! Suppose anything happens to an employee during their coverage period, and the policy isn't up-to-date. In that case, your business could be liable for high costs related to medical bills or even legal action. 



With the latest health insurance policy change by the Indian government, employers are now required to offer health insurance coverage to their employees. While selecting the right plan can be daunting, our blog is here to help. Additionally, we provide tips on choosing the right plan for your business. Read through this blog and get started on the health insurance plan selection process.