Group health cover insures your workforce under a single policy. Group underwriting typically allows terms that individuals could not obtain alone — pre-existing conditions covered from day one, maternity benefits, and no individual medical tests.
It is also one of the most visible benefits an employer offers, and one of the most influential in retention.
Who needs this cover
- Companies with employees on payroll
- Startups building a benefits package
- Organisations wanting to improve retention
Key benefits
- Pre-existing conditions often covered from day one
- Maternity cover available
- No individual medical underwriting in most cases
- Cashless treatment across the network
What is typically covered
- In-patient hospitalisation for employees and declared dependants
- Pre and post-hospitalisation expenses
- Maternity and newborn cover where opted
- Day-care procedures
Eligibility
- A minimum group size applies, varying by insurer
- Dependants defined at policy inception
Key exclusions and limitations
- Cover ceases when employment ends, unless ported
- Sub-limits and co-payments where the policy specifies them
Exclusions differ between insurers and product variants. Always read the policy wording for the exact list.
Claim information
Claims run through the TPA using the employee health card. We hold the relationship with the insurer and the TPA so your HR team is not left chasing.