Question 1

Why acquire employee health insurance coverage in Pakistan?

Accepted Answer

Employee health insurance plans are the norm at all the good firms in Pakistan. Offering a comprehensive health insurance cover to your team and their families will help you to acquire and retain exceptional talent. By providing great insurance cover, you can help your team find the peace of mind that helps them perform at their best.  
          Corporate health insurance plans also offer more extensive coverage – including coverage for Maternity & OPD – than retail plans. In addition, ensuring a group under a corporate plan will cost 40% to 50% less than insuring individuals separately under retail plans. 
          Depending on the size of the company, you can also offer coverage to the parents of your employees as well! This is a perk which has been in high demand especially by the employees of software companies which are in their 20s and early 30s.

Question 2

What will a typical health insurance plan cover?

Accepted Answer

Health Insurance plans are designed to protect your team members and their family from major medical costs. The biggest benefit of a health insurance plan is that the insurance company will pay for your treatment if you are admitted to a hospital bed. As hospital admission costs can run into several lacs, this is the primary protection (feature) offered by health insurance plans all across the world. 
          On top of providing payment for hospital admission (IPD treatment), different health insurance plans provide payment in case a doctor recommends any day-care surgery (chemotherapy for example) or specialized investigation (MRI, CT Scan etc.). The insurance company will pay for these procedures even if you are not admitted to a hospital. 
          All health insurance plans will also cover any instance of a bodily injury due to which you might get a fracture or a wound.  The insurance company will also pay for treatment of a fracture or wound even if you are not admitted to a hospital. 
          In essence, Health insurance is designed to protect you from situations which would otherwise force you to take a loan or to use your savings to pay for treatment. 
          Apart from major emergencies, you can go one step further and provide coverage for maternity and OPD costs of your team. Maternity and OPD coverage are usually recommended for companies with 50+ employees but can be provided to smaller teams as well.

Question 3

How to choose a plan?

Accepted Answer

At easyinsurance.com.pk, you can compare the prices and coverages of several medical insurance options from the top-rated group health insurance companies of Pakistan. When comparing, it is best to make sure to compare especially the following two terms & conditions: 
          1.	Pre-existing conditions coverage. 
          2.	Day-care surgeries and specialized investigations coverage. 
          Pre-existing conditions are those illnesses which started or developed before the health insurance plan was activated. Your chosen physician/consultant – whoever/wherever they are – will determine when the disease first developed. It is the job of your medical professional to identify when the disease developed so that they can determine the best course of treatment for you.  
          Health insurance plans in Pakistan typically have a cap on pre-existing conditions coverage. Depending on the size of your organization and the nature of work, we can acquire 100% coverage for pre-existing conditions for you. What that means is that if your team member has a limit of Rs. 500,000 the insurance company will pay up to Rs. 500,000 for their treatment EVEN if the disease was pre-existing. 
          This 100% pre-existing conditions coverage is an amazing protection to provide to parents of your team members!  
          Secondly, day-care surgeries and specialized investigations are procedures or investigations which are expensive even though you are not admitted to the hospital. Each health insurance company covers a particular list of day-care surgeries and specialized investigations. It is best to understand which company is offering the highest number of day-care surgeries and specialized investigations.  
          When deciding whether to acquire maternity coverage or not, the possible compensation should be weighed against the cost of maternity coverage. As a rule of thumb, if you have less than 10 married females in your group, you should manage maternity expenses in-house.

Question 4

Why group insurance?

Accepted Answer

Employee health insurance plans are the norm at all the good firms in Pakistan. Offering a comprehensive health insurance cover to your team and their families will help you to acquire and retain exceptional talent. By providing great insurance cover, you can help your team find the peace of mind that helps them perform at their best.  
          Corporate health insurance plans also offer more extensive coverage – including coverage for Maternity & OPD – than retail plans. In addition, insuring a group under a corporate plan will cost 40% to 50% less than insuring individuals separately under retail plans. 
          Depending on the size of the company, you can also offer coverage to the parents of your employees as well! This is a perk which has been in high demand especially by the employees of software companies which are in their 20s and early 30s

Question 5

What we offer?

Accepted Answer

We will make sure your insurance experience is not compromised. We do that by making sure that all our clients understand the terms and conditions well by giving them reading material, specialized quotations and by providing detailed on-call consultations (over a voice or video call). We believe that complete transparency is the only way we can forge long-term relationships with our consumers. It is due to this principle that we make less sales than our competition but our client satisfaction scores are the highest. We are in it for the long-haul and our customers are our greatest treasure. 
        We will also conduct orientations with your team to guide them about the health insurance package, the terms & conditions and the way to make a claim. We will also remain in touch throughout the year with your team (especially the HR team) to make sure that the services experience is seamless. 
        Please note that we are an authorized agency of the listed insurance companies. We earn comparable affiliate marketing fee from each insurance company and are not biased towards any one of them. Our service is completely free. Throughout the year we design and implement promotional campaigns with willing partners which allow us to offer the lowest rates in the market as well. We don’t provide discounts by cutting out the margin of our sales team as we can’t compromise their incentive. That is why our sales team is able provide the best post-sales services including the best claims assistance services in the market!

Question 6

What is the Process of buying Group Health Insurance?

Accepted Answer

You can search and compare all the different options and purchase the right one for you by clicking on ‘Buy Plan’.

Question 7

How can I buy Group Health Insurance?

Accepted Answer

We have several reputable health insurance companies on board and you can buy any of their plans directly at easyinsurance.com.pk

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