Group health insurance for employers
Design and compare employee group health insurance with attention to family definitions, sub-limits, claims service, maternity and utilisation.
Start with the business behind the policy
A group health plan is both an employee benefit and an operating system for medical claims. Premium matters, but employees experience the policy through hospital access, family eligibility, room limits, exclusions, endorsements and claim turnaround.
Umber helps employers compare the whole programme, explain benefits to teams and use claim and utilisation information to improve subsequent renewals.
Who should review this cover
- Factories and manufacturing employers
- Startups and professional firms
- Schools, hospitals and institutions
- MSMEs introducing employee benefits
- Companies with workers across locations
- Associations and eligible groups
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Hospitalisation subject to policy terms
- Employees and eligible dependants
- Pre-existing conditions when included
- Maternity and newborn benefits when selected
- Day-care and other listed procedures
- Cashless and reimbursement claim routes
The details worth a closer look
- 01
Room-rent, maternity and disease sub-limits
- 02
Parent coverage and contribution rules
- 03
Corporate buffers and approval controls
- 04
Addition/deletion processes
- 05
Network access near employee locations
- 06
Claims data quality at renewal
When you need support
- Create an employee-friendly benefit summary
- Support additions, deletions and endorsements
- Coordinate difficult cashless or reimbursement cases
- Review utilisation and renewal options with management
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.