Group health
How do I choose a group health insurance policy for my employees?
Look past the premium to the terms that decide a claim: how room rent is set, whether pre-existing diseases are covered from day one, the maternity terms, whether parents can be covered, the sum insured, and who helps employees at claim time. A cheaper policy that cuts claims costs the company more in trust than it saves.
In short
- Set room rent as a category, not a thin percentage.
- Ask for pre-existing diseases from day one.
- Decide maternity, parents and sum insured deliberately.
- Know who helps employees when a claim goes wrong.
The terms that matter most
| Term | What to ask for |
|---|---|
| Room rent | A real room category, not a thin percentage of the sum insured |
| Pre-existing diseases | Covered from day one, with no medical check |
| Maternity | From day one; think about beyond the second child |
| Family tier | E, ESC or ESCP: decide on parents early |
| Sum insured | Enough for a serious illness, not just a routine admission |
| Co-pay | A modest, understandable co-pay rather than a confusing cap |
Why does room rent matter so much?
Because it is the clause that most often surprises employees. If room rent is capped and a costlier room is taken, the deduction applies in proportion across almost the whole bill. Setting it as a room category removes that surprise. Our GMC page explains how.
What about claims support?
It decides how the policy feels to your people. A named person to call, help at discharge and a clear escalation path matter as much as the wording. Ask any broker or insurer exactly who helps an employee at 11pm.
Frequently asked questions
How do I choose group health insurance for employees?
Compare the terms that decide claims: room rent, day-one cover for existing conditions, maternity, parents, sum insured, co-pay and claims support, not just the premium.
What is the most important clause in group health insurance?
Room rent is often the one that most affects claims, because a cap can reduce the whole bill in proportion.
Should a group policy cover parents?
It's a choice; parents' cover is valued but costly, and is often offered as an employee-paid option.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not insurance, legal, financial or tax advice, and nothing is an offer. No insurer or product is named or recommended. What any policy covers depends on its own wording and schedule. For advice about your situation, talk to us.