Tuesday, February 7, 2023

Health Insurance: Another blow of inflation for common man, now more premium will have to be paid for group health insurance?

Group Health Insurance Premium: If you have taken Health Insurance coverage through an Employer and pay it every month from your salary as a Group Insurance premium, then it is possible that you can now apply for a health policy issued through your employer. Had to pay more premium.

Insurance companies made group health insurance expensive 

Companies take group health insurance for their employees since it is taken on a very large scale, so its premium is also slightly less than normal. If you have also taken health insurance through the company, then there is some bad news for you. Because it has been learned from the sources that most of the insurance companies have increased the premium of group health insurance policy by 25-30%. This can have an impact on the employees working in the companies and they may have to pay a higher premium.

Read More: Earning Opportunity: SBI Mutual Fund opens ETF, can become a millionaire by investing just ₹ 5000, know-how

In fact, companies are under a lot of pressure due to rising claims in Kovid-19 and ever-increasing loss ratios in the group health business, their profits have come down significantly due to the second wave of Corona. Due to this companies have increased the group health insurance premium. Insurance companies were demanding an increase in the premium of individual health insurance, but the insurance regulator IRDAI has put a hold on the increase in individual health insurance. Therefore, those who have taken health insurance separately, other than the company, will not have any increase in their premium.

Small companies are also taking group health insurance 

However, insurance companies do not require the approval of the insurance regulator IRDAI to increase the premium in the group insurance business. That’s why they have increased it. After the Kovid epidemic, big companies are increasing the coverage of their employees, while small companies are also taking group health insurance policies to keep their employees safe. In view of the sudden demand for group health insurance, insurance companies have also increased their premium. Which will have a direct impact on the pockets of the employees. 



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