Health Insurance for Workers is made Mandatory by Government


vector image of health workers - Health Insurance for Workers is made mandatory by Government

In the guidelines released by the Ministry of Home Affairs, it has been made mandatory to have health insurance for workers when the restarting of operations starts on April 20th.

Normally, in a factory or manufacturing premises, the workers are covered under Workmen’s Compensation for occupational hazards and not for medical insurance.

Some workers covered under ESI may not be willing to go to ESI hospitals depending on the availability and facilities, especially for COVID.

Seeing this situation, many insurance companies have launched a special drive and are offering very competitive premiums for health insurance under group coverage. These premiums are almost 50% of the normal premiums charged in the market.

Below is the summary of group health insurance policies:

Who is eligible?

  • Employees, Workers, Temp Contract Employees, and Trainees between 18 and 60 years of age.
  • Only employees are covered, their families are not eligible.

What is covered?

Health Insurance for 50,000 or 1,00,000 Sum Insured as opted.

Pre-Existing Disease can be covered.

COVID -19 Treatments are covered.

All the workers in the organization are to be covered. Part selection is not allowed.

The addition of new employees and the deletion of resigned employees is done on a pro-rata basis.

Ambulance Covered.

Room Rent is covered for 2% of the sum insured as per the option selected.

Pre and post hospitalization expenses are covered.

What is the premium payable?

Insurer (GST Extra)

ICICI Lombard



50K without PE




50K with PE




100K without PE




100K with PE





ICICI has 15 days waiting for COVID. Religare premiums changes depending on the group size. Religare room rent is 1% of the sum insured. PE means Pre-existing cover.

Must Read – What are the Benefits of Super Top Up Health Insurance Plan?

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Susheel Agarwal

Susheel is the CEO of Ethika Insurance Broking P Ltd. This company, which has a current value of 10 million dollars, was bootstrapped by him and two of his friends. He attributes his success to his ability to inspire others to seek happiness at work.