Group health insurance can be largely divided into two categories: non- employer- employee groups and employer- employee groups. But most people ask, are dependents covered under a group health insurance policy? Want to know, can a dependent claim group health insurance?
The answer is a yes. If you are seeking an answer, how do I add a family member to my health insurance then keep reading ahead. Browse further to learn more about these types, eligibility and the benefits of group health insurance for the family.
Who Is Eligible for Group Health Insurance?
Prior to covid-19 pandemic, group health insurance was only for the employees of an organisation, startup, company or governments. But after the pandemic, IRDAI has made it mandatory for each and every institution, organisation and commercial establishments.
Employer- employee group health plan is for organisations or associations with more than 20 employees. For organisations having less than 5 members, micro- insurance plans can be opted as per IRDAI.
Non-employer- employee group health plan for groups having a common interest, e.g. group of credit card holders, saving bank account owners of a bank and members of a social institution.
Does Group Insurance Cover Family?
As per IRDAI, some group health insurance plans now offer the option to include family members just by paying some extra premium. Hence, the insurance benefits can be availed by the spouses, parents and even their children. These types of plans are known as group family coverage or dependent coverage plans.
How Can I Add My Parents to My Health Insurance Plan?
The procedure to add your parents to your health insurance plan is:
The first step to add your parents to your group health plan is to verify terms and conditions of the corporate plan if your organisation allows parents your existing group plan
Check the premium amount you need to pay with the company’s HR. However, it usually depends on the age of the parents
During the policy period, you can add your parents anytime and after adding it, the insurer will charge an additional premium
Finally, your parents will receive a health card which can be utilised in case of hospitalisation and emergency
Can You Add a Spouse to Group Health Insurance at Any Time?
Here is the procedure to answer the people’s query, ‘how do I add my wife to my medi-claim policy?’
Ask the insurer about adding spouse to your same health plan and ensure that you both will get an adequate coverage.
The owner of this policy can add their partner by submitting KYC documents such as ID proof, age proof, passport size photographs and marriage certificate.
After adding your spouse, the insurer will charge a pro- rated premium and then you both can avail the insurance benefits under a single plan.
Who Is Not Eligible for Group Health Insurance?
There is a limitation for group mediclaim policies like any other insurance plan. Let’s have an insight into the list of people not eligible for group health plans:
Self-employed or entrepreneurs with no employees
Person involved in the family business
Students and eligible dependents (handicapped or disabled persons above 25 years)
Conclusion
To conclude, it’s very affordable and a great option of having the maximum benefit for the whole family under a mediclaim plan. However, it is advisable to see all the criteria of the insurers in case you are planning to purchase group health insurance plans.
