{"id":10272,"date":"2022-03-01T14:12:54","date_gmt":"2022-03-01T14:12:54","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=10272"},"modified":"2022-06-22T10:41:23","modified_gmt":"2022-06-22T05:11:23","slug":"things-to-know-about-group-health-insurance","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/","title":{"rendered":"7 things you need know about group health insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e1686f6f5ac\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e1686f6f5ac\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#i\" title=\"\u00a0\">\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#1_The_basics\" title=\"1. The basics\">1. The basics<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#2_Whats_the_difference\" title=\"2. What\u2019s the difference?\">2. What\u2019s the difference?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#i-2\" title=\"\u00a0\">\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#3_Cost\" title=\"3. Cost\">3. Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#4_Accessibility\" title=\"4. Accessibility\">4. Accessibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#5_Control\" title=\"5. Control\">5. Control<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#6_No_Claim_Bonus\" title=\"6. No Claim Bonus\">6. No Claim Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#7_Applicability\" title=\"  7. Applicability\">  7. Applicability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#In_summary\" title=\"In summary\">In summary<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#i-3\" title=\"\u00a0\">\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n\r\n<p>&nbsp;<\/p>\r\n<p><span style=\"font-weight: 400;\">Most of us realise the importance of having a good health insurance policy. With rising health care costs and inflation, it is critical to have a comprehensive health coverage. It helps you get access to the best of healthcare without burning a hole in your savings.\u00a0<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<p><span style=\"font-weight: 400;\">However, not many understand the nuances of various types of plans, particularly when it comes to group insurance policies and individual or retail health insurance.\u00a0<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<p><span style=\"font-weight: 400;\">This article will tell you all you need to know about Group Health Insurance, and help you pick a plan that works best for you and your family.\u00a0<\/span><\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"i\"><\/span>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<h5><span class=\"ez-toc-section\" id=\"1_The_basics\"><\/span><b>1. The basics<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">Group insurance is a type of plan that offers health insurance cover to a <\/span><b>select group of members<\/b><span style=\"font-weight: 400;\">. This could be a group of employees, or members of an organisation.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Individual health insurance is the coverage <\/span><i><span style=\"font-weight: 400;\">you<\/span><\/i><span style=\"font-weight: 400;\"> buy for yourself or your family.\u00a0<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"2_Whats_the_difference\"><\/span><b>2. What\u2019s the difference?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">While both types of plans offer health cover benefits, it is important to understand how they are different. Here are the important things to remember:<\/span><\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"i-2\"><\/span>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<h5><span class=\"ez-toc-section\" id=\"3_Cost\"><\/span><b>3. Cost<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">Group insurance is affordable. The reason is, a group plan is a standardised coverage bought for a large number of members. This is similar to buying something in bulk.\u00a0 Members also get benefits of lower cost because the insurer\u2019s risk is spread across the entire group of policyholders, and therefore command a lesser premium than individual health insurance policy.<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<p><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"alignnone size-large wp-image-12656\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/FD-banner-revised-1024x334.jpg\" alt=\"fixed-deposit-kuvera\" width=\"640\" height=\"209\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/FD-banner-revised-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/FD-banner-revised-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/FD-banner-revised-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/FD-banner-revised.jpg 1080w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"4_Accessibility\"><\/span><b>4. Accessibility<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">With retail or individual health insurance, it is possible that an insurer may deny the policy to an individual for some reasons. These could be due to financial history, or because of medical reasons like a <\/span><span style=\"font-weight: 400;\">pre-existing condition.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">In the case of group insurance through an employer, the process of under-writing is different and a detailed analysis of every employee&#8217;s health history is sometimes not required. All employees are eligible for health care coverage, and every new employee gets an automatic approval. That\u2019s why it is easy to get group health insurance through your employer.<\/span><\/p>\r\n<p><br \/><b><\/b><\/p>\r\n<p>&nbsp;<\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"5_Control\"><\/span><b>5. Control<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">This is where a retain health policy scores better than a group health policy given by the employer. In case of group plans, your employer, or the organisation chooses a plan that works best for the group as a whole. <\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">This means, the employee can not pick and choose the terms, features and benefits individually. If you are buying an individual package, you have complete flexibility to set the terms. You can choose what options to take, what to avoid, and when to discontinue.\u00a0<\/span><\/p>\r\n<p><br \/><br \/><b><\/b><\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"6_No_Claim_Bonus\"><\/span><b>6. No Claim Bonus<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">In the conventional employer-provided group policy, you don\u2019t get the benefit of &#8220;no claim&#8221; &#8211; when you don\u2019t make any claim during the tenure.\u00a0 With individual health policies, not claiming gives you the added bonus, which is usually a discount in the applicable premium for renewal.<\/span><\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"7_Applicability\"><\/span><br \/><br \/><b><\/b><b>7. Applicability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">This is a crucial difference to understand. While an individual insurance plan stays applicable as long as you are paying the premium, employer-provided group health policies cease when you are not employed with that organisation. You may have the option to convert it into an individual plan, but the premium to be paid would be higher.\u00a0<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<h5><span class=\"ez-toc-section\" id=\"In_summary\"><\/span><b>In summary<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n<p><span style=\"font-weight: 400;\">When it comes to premium, group health plans can really help you save on cost. An individual health policy can give you the freedom and flexibility to choose what you want covered.<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h4><span class=\"ez-toc-section\" id=\"i-3\"><\/span>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n<p>&nbsp;<\/p>\r\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\r\n<p>&nbsp;<\/p>\r\n<p>Watch\/hear on YouTube:<\/p>\r\n<p><iframe loading=\"lazy\" title=\"Kuvera Insights\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmCysU31bg4Ngh7WY2p3UiiI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\r\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a>\u00a0and\u00a0<strong><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> <\/strong>and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\r\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Most of us realise the importance of having a good health insurance policy. With rising health care costs and inflation, it is critical to have a comprehensive health coverage. It helps you get access to the best of healthcare without burning a hole in your savings.\u00a0 &nbsp; However, not many understand the nuances of [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/things-to-know-about-group-health-insurance\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":10290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[112],"tags":[459,422,221],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 things you need know about group health insurance<\/title>\n<meta name=\"description\" content=\"How is group health insurance different from individual health insurance? 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