• Home
  • Dental Care
  • Disease
  • Doctor
  • Fitness
  • Health
  • Nutrition
  • Treatment
  • Weight Loss
Friday, February 3, 2023
  • Login
Healthiest Alternative - Tips for living well
Advertisement Banner
  • Home
  • Dental Care
  • Disease
  • Doctor
  • Fitness
  • Health
  • Nutrition
  • Treatment
  • Weight Loss
No Result
View All Result
  • Home
  • Dental Care
  • Disease
  • Doctor
  • Fitness
  • Health
  • Nutrition
  • Treatment
  • Weight Loss
No Result
View All Result
HealthNews
No Result
View All Result
Home Health

Why Employee’s Health Cover is Not Enough?

Charlie Ali by Charlie Ali
2 years ago
in Health
0
Why Employee’s Health Cover is Not Enough?
0
SHARES
39
VIEWS
Share on FacebookShare on Twitter

It is a common trend for working individuals to consider health benefits offered by their employer. While the health plans or health covers offered by employers may serve basic health needs, there are certain important aspects that are not covered by these plans. Most of the health covers offered by companies are not comprehensive health plans and therefore cover basic health needs. It is essential to read through and understand the benefits of the health insurance offered. It is also essential to identify the limitations of the employer’s health plans. Hence, it is essential to read the fine print of the health insurance document in order to maximize your benefits.

Reasons Why Your Employer’s Health Cover is Not Enough

It is absolutely beneficial to have health coverage from your employer. However, it is essential to verify if your health needs will be comprehensively met by the offered health cover. Let us have a look at why your employer’s health cover may not be enough for you.

  1. Basic Health Plan

One of the main reasons that many employees find their employer’s health insurance cover redundant is because it only covers the most basic health needs. By not providing comprehensive health coverage, many employees pay out of their pockets and end up accumulating hefty medical bills. Therefore, in most cases, the health plan offered by employers is as good as not having health insurance.

  1. Room-Rent Limits

Most basic employer health plans have room-rent limiting clauses. According to these limiting clauses, only a certain amount of room rent will be covered by the insurance provider. In most cases, the amount that will be covered is less than half the total room rent. In addition, this limiting clause also translates that the cover will extend on to the room and not to the nurse and doctor expenses.

  1. Co-Pay Clauses

With a co-pay clause, the insurer is allowed to pay only a certain portion of the overall medical expense. The remaining part of the expenditure has to be covered by the individual. Most insurance companies include this clause in their insurance policies to reduce liability and cut costs. Hence, it is absolutely crucial to look out for the co-pay clause in the terms and conditions before signing the insurance documentation.

  1. Employment Status

The health insurance cover that is offered by your employer will be in status only as long as you are employed under their contract. Once your employment is terminated, the health insurance offered to you by your employer will no longer be valid.

  1. Total effective Cover

The group health insurance policies do not offer high coverage. The total coverage offered is typically around the range of ₹1.5 Lakhs and ₹2 Lakhs. In case of prolonged hospitalization, the coverage offered would only vary between 20% and 30%.

In a Nutshell 

While an employer’s health cover may seem like a great option for the time being, it is necessary to ensure its terms and conditions to make the most out of the health plan. It can be beneficial to avail of a health plan by yourself. You can opt for comprehensive health insurance through Finserv MARKETS and experience exclusive benefits such as nominal premium and an easy application process. You can also use the health insurance calculator to calculate the potential coverage offered.

Previous Post

Good-Bye Dandruff and Oily Scalp

Next Post

VITAMIN C: DISPELLING THE MYTHS

Charlie Ali

Charlie Ali

Related Posts

Health

What Is A Keto Blood Test?

February 1, 2023
Impeccable Health Benefits with Cold-press Juicers
Health

Impeccable Health Benefits with Cold-press Juicers

January 12, 2023
FAQs About Chin Surgery That You Should Know About!
Health

FAQs About Chin Surgery That You Should Know About!

January 10, 2023
Load More
Next Post
VITAMIN C: DISPELLING THE MYTHS

VITAMIN C: DISPELLING THE MYTHS

  • Trending
  • Comments
  • Latest
Six Awesome Benefits of the Assault Air Bike

Six Awesome Benefits of the Assault Air Bike

December 12, 2019
Benefit of CT Scan

Benefit of CT Scan

July 3, 2020
3 Fundamental Concepts For Selecting the very best Weightloss Routine

3 Fundamental Concepts For Selecting the very best Weightloss Routine

September 30, 2019
Lose Baby Weight – How New Moms Will Find Time to slot in Fitness

Lose Baby Weight – How New Moms Will Find Time to slot in Fitness

January 15, 2020

What Is A Keto Blood Test?

0
How Can the Affordable Care Act Affect Your Use of Dental Hygiene?

How Can the Affordable Care Act Affect Your Use of Dental Hygiene?

0
Why Do Vital that you Adopt Good Dental Hygiene Habits?

Why Do Vital that you Adopt Good Dental Hygiene Habits?

0
Vital And Hygienic Dental Hygiene Tips

Vital And Hygienic Dental Hygiene Tips

0

What Is A Keto Blood Test?

February 1, 2023
Impeccable Health Benefits with Cold-press Juicers

Impeccable Health Benefits with Cold-press Juicers

January 12, 2023
FAQs About Chin Surgery That You Should Know About!

FAQs About Chin Surgery That You Should Know About!

January 10, 2023
Benefits: Prenatal Care Promotes Healthy Pregnancies

Benefits: Prenatal Care Promotes Healthy Pregnancies

January 10, 2023

Recent Posts

  • What Is A Keto Blood Test? February 1, 2023
  • Impeccable Health Benefits with Cold-press Juicers January 12, 2023
  • FAQs About Chin Surgery That You Should Know About! January 10, 2023
  • Benefits: Prenatal Care Promotes Healthy Pregnancies January 10, 2023
  • What does the holistic approach to nursing care mean? January 7, 2023
  • Top Reason To Consider Plastic Surgery December 29, 2022
Health

What Is A Keto Blood Test?

When it comes to testing for ketones, there are a few different options. A keto blood test can determine if ...

February 1, 2023
Impeccable Health Benefits with Cold-press Juicers
Health

Impeccable Health Benefits with Cold-press Juicers

Every year there is a new health-related trend making it challenging to keep up with all. The easiest way to ...

January 12, 2023
FAQs About Chin Surgery That You Should Know About!
Health

FAQs About Chin Surgery That You Should Know About!

It’s completely natural for prospective chin surgery patients to have a lot of questions as they’re planning out these cosmetic ...

January 10, 2023
Benefits: Prenatal Care Promotes Healthy Pregnancies
Health

Benefits: Prenatal Care Promotes Healthy Pregnancies

A baby must develop, grow and evolve in a healthy environment to be healthy. Having a healthy baby starts with ...

January 10, 2023
What does the holistic approach to nursing care mean?
Health

What does the holistic approach to nursing care mean?

The holistic approach to nursing care, otherwise known as holistic care in nursing or holistic nursing care, is a highly ...

January 7, 2023

2023

  • – February (1)
    • What Is A Keto Blood Test?
  • + January (4)

2022

  • + December (4)
  • + November (4)
  • + October (2)
  • + September (4)
  • + August (3)
  • + July (4)
  • + June (6)
  • + May (16)
  • + April (16)
  • + March (3)
  • + February (5)
  • + January (3)

2021

  • + December (6)
  • + November (5)
  • + October (10)
  • + September (8)
  • + August (7)
  • + July (10)
  • + June (7)
  • + May (9)
  • + April (18)
  • + March (20)
  • + February (10)
  • + January (9)

2020

  • + December (14)
  • + November (11)
  • + October (27)
  • + September (12)
  • + August (26)
  • + July (10)
  • + June (15)
  • + May (13)
  • + April (15)
  • + March (18)
  • + February (15)
  • + January (11)

2019

  • + December (19)
  • + November (23)
  • + October (9)
  • + September (1)
  • + August (7)
  • + July (7)
  • + June (4)
  • + May (5)
  • + April (3)
  • + March (3)
  • + February (8)
  • + January (4)
  • Get Support

© 2022 - Healthiest Alternative. All Rights Reserved.

No Result
View All Result
  • Home
  • Dental Care
  • Disease
  • Doctor
  • Fitness
  • Health
  • Nutrition
  • Treatment
  • Weight Loss

© 2022 - Healthiest Alternative. All Rights Reserved.

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In