Many companies are today offering group health insurance to their employees as part of their CTAs. Some companies offer health insurance cover only to their employees while others extend to families, including spouse, kids and parents. One of the reasons for opting for the policies is the tax rebate benefit offered to the employers.

Let’s look at the advantages of a group health insurance plan for employees

1. There is no need to pay cover charges to get insurance, or you have to pay a minimal amount as premium to get a comprehensive cover.
   
   
2. Since the employer takes multiple insurances in one go, you get a better cover and services.
   
   
3. The HR department of the employer will help you get instant approvals when you want to use your insurance in case of an emergency.
   
   
4. You are covered by the group health insurance as long as you are associated with the company.
   
   
5. Maternity healthcare and critical illnesses are covered by group insurance. You can get pre and post-hospital expenses as well as checkups.

The employee can get treatment at the networked insurance hospitals, and depending on the policy can go in for cashless treatment option. The claim, though excludes cure from allopath treatment. Alcohol and drugs rehabilitation is also not included, and it is no longer active for the individual or his family. From an employer’s point of view, group health policies boost employee morale and are an added incentive for an employee to stay associated with a company.