What is Corporate Health Insurance?
Corporate (group) health insurance is private health insurance that companies offer employees, and optionally their family members, as a benefit, covering inpatient and outpatient treatment costs at network healthcare providers within policy limits.
Health insurance is one of the most valued benefits for attracting and retaining talented employees. Group policies offer lower premiums and more flexible acceptance terms than individual policies; depending on group size, even pre-existing conditions can be covered.
Plans can be structured according to company budget and employee profile as inpatient only, inpatient + outpatient, or tiered plans for different positions. Within legal limits, health insurance premiums can also offer tax advantages to the employer.
What is covered?
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Inpatient treatment
Surgery, intensive care, room and companion, and hospital costs.
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Outpatient treatment
Doctor visits, tests, imaging, medication and physiotherapy.
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Maternity
Normal and caesarean delivery costs (depending on plan).
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Check-up
Annual preventive health screening.
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Emergency services
Ambulance and emergency care costs.
Optional extensions
- Dental treatment
- Eye care and glasses
- Psychological counselling
- Family members (spouse and children)
- Treatment abroad
Who is it for?
- All companies wishing to offer employee benefits
- Sectors with intense competition for talent
- Businesses with many field and production employees
- Firms renewing their corporate benefits package
Information needed for a quote
Sharing the following information lets us obtain fast and accurate quotes from several insurers.
- Employee list (age and gender distribution)
- Number of family members to be included
- Current policy and loss ratio (if any)
- Requested plan structure and budget
Frequently asked questions
Is there a minimum number of employees for group health insurance?
It varies by insurer, but group policies can generally be issued from a few employees. Acceptance terms become more flexible as the group grows.
Are pre-existing conditions covered?
Depending on group size and insurer terms, pre-existing conditions can be covered. This is a major advantage over individual policies.
How does it differ from complementary health insurance?
Complementary health insurance covers the extra fees at private hospitals contracted with SGK and is more economical. Private health insurance offers a wider provider network and cover independent of SGK. Both can be arranged as group policies.
Scope of cover and limits are determined by the general and special conditions of the issuing insurer.