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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 restarting of operation starts from 20th April.

Normally in a Factory/ Manufacturing premises, the workers are covered under Workmen Compensation for occupational hazard and not for medical insurance.

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

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

Below is the summary of group health insurance policies:

Who are eligible?

Employees / Workers / Temp Contract Employees / Trainees between 18-60 years 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 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?

Susheel Agarwal

Susheel Agarwal

Susheel is a certified Happiness Coach, which enables him to help organizations develop healthy and happy workplaces. Years of extensive in-depth research by interacting with various leaders of happy & not so happy organizations, attending several Happiness and Leadership programs along with his own authentic experiences, Susheel has been successful in establishing a happy workplace. He currently works as a Thought Leader and a Passionate Coach, educating corporate leaders to do the same.

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