Compare & Buy Group Health Insurance for Your Team

Employee health insurance plans are the norm at all the good firms in Pakistan. Offering a comprehensive corporate health insurance cover to your team and their families will help you to acquire and retain exceptional talent. By providing great corporate insurance cover – including coverage for maternity - you can help your team find the peace of mind that helps them perform at their best. Corporate health insurance plans also offer more extensive coverage – including coverage for Maternity & OPD – than retail plans. In addition, insuring employees under a corporate plan will cost 40% to 50% less than insuring individuals separately under retail plans. When you compare corporate health insurance to retail health insurance, corporate insurance will provide much more value for money! Depending on the size of the company, you can also offer coverage to the parents of your employees as well! This is a perk which has been in high demand especially by the employees of software companies which are usually in their 20s and early 30s and worry about their parents’ health.

Health Insurance plans are designed to protect your team members and their family from major medical costs. The biggest protection of a health insurance plan is that the insurance company will pay for your treatment if you are admitted to a hospital room for observation, treatment or surgery. As hospital admission costs can run into several lacs, this is the primary protection (feature) offered by health insurance plans all across the world. In addition to paying for hospital admission (IPD treatment), corporate health insurance plans provide payment in case a doctor recommends any day-care surgery (chemotherapy for example) or specialized investigation (MRI, CT Scan etc.). The insurance company will pay for these procedures even if you are not admitted to a hospital. All health insurance plans also cover any instance of a bodily injury due to which you might get a fracture or a wound. The insurance company will also pay for treatment of a fracture or wound even if you are not admitted to a hospital. In essence, Health insurance is designed to protect your team from situations which would otherwise force them to take a loan or to use your savings to pay for treatment. Apart from major emergencies, you can go one step further and provide coverage for maternity and OPD costs of your team. Maternity and OPD coverage is usually recommended for companies with 50+ employees but can be provided to smaller teams as well. Coverage for maternity costs is a widespread benefit and should be included in your corporate health insurance plan to attract good talent.

At easyinsurance.com.pk, you can compare the prices and coverages of several medical insurance options from the top-rated group health insurance companies of Pakistan. When comparing, it is best to make sure to compare especially the following two terms & conditions: 1. Pre-existing conditions coverage. 2. Day-care surgeries and specialized investigations coverage. Pre-existing conditions are those illnesses which started or developed before the health insurance plan was activated. Your chosen physician/consultant – whoever/wherever they are – will determine when the disease first developed. It is the job of your medical professional to identify when the disease developed so that they can determine the best course of treatment for you. Health insurance plans in Pakistan typically have a cap on pre-existing conditions coverage. Depending on the size of your organization and the nature of work, we can acquire 100% coverage for pre-existing conditions for you. What this means is that if your team member has a limit of Rs. 500,000 health insurance cover, the insurance company will pay up to Rs. 500,000 for their treatment EVEN if the disease was pre-existing. This 100% pre-existing conditions coverage is an amazing protection to provide to parents of your young team members! Secondly, day-care surgeries and specialized investigations are procedures or investigations which are expensive even though you are not admitted to the hospital. Each corporate health insurance company covers a particular list of day-care surgeries and specialized investigations. It is best to understand which company offers the highest number of day-care surgeries and specialized investigations to make the best selection. When deciding whether to acquire maternity coverage or not, the possible compensation should be weighed against the cost of maternity coverage. As a rule of thumb, if you have less than 10 married females in your group, you should manage maternity expenses in-house. Quotation for maternity can be generated free of cost and a decision can be taken later in the process.

We will make sure your insurance experience is exceptional. We do that by making sure that all our clients understand the terms and conditions well by giving them reading material, specialized quotations and by providing detailed on-call consultations (over a voice or video call). We believe that complete transparency is the only way we can forge long-term relationships with our consumers. It is due to this principle that we make less sales than our competition but our client satisfaction scores are the highest. We are in it for the long-haul and our customers are our greatest treasure. We will also conduct orientations with your team to guide them about the health insurance package, the terms & conditions and the ways to make a claim. We also remain in touch throughout the year with your team (especially the HR team) to make sure that the services experience is seamless. Kindly note that we are an authorized agency of the listed insurance companies. We earn comparable affiliate marketing fee from each insurance company and are not biased in favor of any one provider. We are cultivating our own portfolio of clients and always make sure to protect our portfolio’s interests. Our team will provide the best post-sales services including the best claims assistance services in the market! Our service is completely free with no compulsion to buy.