Insurance Products
Group Health Insurance for Employers
Group health insurance covers your employees — and optionally their families — under a single policy, with clearly better pricing and more flexible underwriting than individual cover.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
In group policies risk is assessed at population rather than individual level. Employees who might face exclusions on an individual application can be included, and the health declaration process is simplified. Above a certain headcount, declarations can be waived entirely.
Group health is one of the most effective benefits for recruitment and retention. Within statutory limits, premiums are deductible from the corporate tax base and also create a tax advantage for the employee. Packages can be tiered — for example a wide network for management and complementary health for other roles.
Administration matters as much as the product itself. Adding and removing employees by endorsement during the year, tracking claims usage reports and negotiating at renewal based on performance are the broker's responsibility. Seras Sigorta manages this through a single point of contact.
What Is Covered
- Inpatient treatment
- Covers surgery, intensive care and hospital admission costs for all employees.
- Outpatient treatment
- Covers consultations, tests and imaging within limits set by the employer.
- Family members
- Allows spouses and children to be added to the same policy optionally.
- Check-up programmes
- Organises corporate check-up packages and preventive screening.
- Tiered plan structure
- Enables different cover levels to be defined for different employee groups.
Who Is It For?
- Companies and SMEs with at least 5–10 employees
- HR teams strengthening their benefits package
- Technology and service firms hiring skilled talent
- Associations, foundations and professional bodies
What Is Not Covered
- Undeclared conditions existing before inclusion in the policy
- Cosmetic, dental and optical expenses unless added as extensions
- Treatment arising from workplace accidents (covered by employer liability)
- Costs of employees not listed on the policy schedule
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Headcount and age-gender distribution
- Chosen hospital network and cover level
- Whether family members are included
- Prior year loss ratio at renewal
Frequently Asked Questions
What is the minimum headcount for a group policy?
It varies by insurer, but group terms generally start from five to ten employees.
Is there a tax advantage?
Within statutory limits premiums are deductible for the employer and reduce the employee's taxable base.
Can new joiners be added mid-year?
Yes. They are added by endorsement, with the premium calculated pro rata for the remaining days.
Are health declarations required?
Above a certain headcount they may be waived. Smaller groups use a simplified declaration.