Group Health Insurance
I’m a small business owner with 7 employees. Can I get group health insurance?
I’m a small business owner with 7 employees. Can I get group health insurance?
- Employee retention: Great perk that costs less than salary hikes
- Tax benefits: Premiums are business expenses
- No medical check-ups: Coverage starts from day 1
- Family coverage: Employees can include spouse and children
Why Do You Need Fire Insurance?
Fire Safety Reduces Risk. Insurance Helps Protect Against Financial Loss.
Fire extinguishers, alarms, sprinklers, and other safety measures can reduce the risk and impact of fire, but they cannot eliminate the possibility of financial loss. Fire insurance provides financial protection for eligible property and assets against insured fire and allied perils, subject to the policy terms and conditions.The coverage you need depends on what you own and what you want to protect:
Building & Property
Protection for eligible buildings and property against covered losses.
Contents & Assets
Coverage eligible for Furniture, equipment, machinery, and other contents
Stock & Inventory
Protection for eligible stock, goods, and inventory affected by covered events.
Business Risks
Depending on the policy, additional protection may be available for certain business-related losses.
What's covered under group health insurance that individual policies might not cover?
Group policies often have better benefits:
- Pre-existing diseases: Covered from day 1 (no waiting period)
- Maternity: Often included with short/no waiting period
- Health check-ups: Annual preventive care
- Dental and eye care: Sometimes included as add-ons
- OPD treatments: Available only if specifically added by employer
How do we handle claims for a group policy?
It’s actually simpler than individual policies:
01
Cashless treatment
Employees use group insurance card
02
Reimbursement
Submit bills to HR or insurer directly
03
Family coverage
Spouse/children use same process
04
Online portal
Most insurers provide employee login for claim tracking
Coverage Made Right
Guidance Made Simple
Every property and risk is different. AIMS Insurance Broking helps you compare suitable fire insurance policies, understand your coverage options, and choose protection that fits your needs.