Group Health Insurance is a benefit that some companies offer their employees, enabling them to receive private medical treatment quickly and at no cost should they need it. This means that employees receive the medical treatment they need without the long wait and undue suffering.
Of course, this type of scheme has many benefits to both the staff and the employer.
For the employer, a member of staff needing medical treatment will receive it quickly, thereby helping speed up recovery and keeping disruption due to sickness in the office to a minimum. The employee will also be more focussed on their job as they will not be spending time worrying about a long wait for the treatment on the NHS, or a diagnosis etc or suffering undue pain.
For the employee, being a member of a Group Health Insurance plan has many valuable benefits, which a monetary value cannot be put on. In the first instance, they don’t have to pay out huge premiums for a private medical insurance plan – which can literally run into three figures every month. And they have the peace of mind that should they need it, expert medical help is available immediately.
As part of the Group Health Insurance Plan, many companies who do offer this benefit to staff will also pay for their employees to have a once a year ‘healthcheck’ at a private hospital. These health checks cover weight, height, levels of fitness, blood pressure, blood tests etc and are carried out to check that the member of staff is in optimum health or to spot a so far undiagnosed condition. Either way, the screening is beneficial to staff and their employers.
For an individual who is not part of an employers scheme to have the same sort of health screening, the cost can be anything from £150 upwards, so there is an added value to the benefit.
Any staff benefit, like company health insurance, of course also helps boost staff morale as it shows that the employer really cares about their staff.
Although health plans will vary from provider to provider and employer to employer, a typical Group Health Insurance package will offer cover for:
1. In-patient and day-patient treatment once the employee has received a diagnosis
2. Out-patient treatments (for example, physiotherapy)
3. Free Helplines – for example, a GP Helpline and Stress Counselling Helpline.
4. Specialist consultations following a referral from the employee’s GP
If you are an employer who has not yet instigated a company health insurance plan, consider this – you may find that the benefits of taking out group health insurance (such as better staff morale, employees having less time off due to serious illness, attracting a higher qualified level of staff etc) will far outweigh the cost. And in the long term, no doubt it will have a positive effect on your business.
Jason Hulott is Business Development Director of Protection Insurance. Protection Insurance is an internet based insurance business dedicated to getting consumers the very best insurance rates and the best products. Our product portfolio includes many specialist products such as private medical insurance
Filed under Health Insurance by on Sep 2nd, 2010. Comment. 
Is your family prepared if something happens? Whether it is an illness, injury, or something else life changing you have to be prepared, and one of the best ways to be prepared is by covered by an affordable health insurance plan. Many people believe that in order to obtain any type of health insurance coverage you have to pay hundreds of dollars each month and extremely high co-payments, which isn’t the case at all. There is a new wave of health insurance companies popping up across the United States that understand the changing needs of the American people. These new age health insurance companies have done hundreds of hours of research that has helped show them the type of the plans that people want, and now they are making them available to the American people.
One of the things that these health insurance companies found in their research is that people want is affordable health insurance plans. They want their basic needs met and the benefits that go along with it while paying a very low monthly premium, this may have seemed hard for health insurance companies to do in the past but now there are companies that can make this happen. American people want to be able to get coverage for themselves, their employees, and their family at a low cost, which will give them the coverage they want if something were to happen.
Another thing that was found when people were doing research about the type of health insurance people is that they want an affordable health insurance company that has reputable customer service. When it comes to affordable health insurance people will have questions. Whether they have questions about their plan, the benefits of their plan, or even the co-payments they want someone there to answer their questions. Many of these great health insurance companies have toll free customer service hotlines that people can call at any time, day or night, to ask any questions they may have concerning their plan.
This can be very helpful and comforting to know that if something were to happen and there is a problem there with anything pertaining to your coverage, there are people ready to help you. One instance where this can be very helpful is if something were to happen in the middle of the night to your children where the situation requires immediate medical attention, you may have questions about the coverage that you have and how it pertains to the situation. Not only will there be a customer service representative ready to help you through the difficult time, but you will be able to contact them quickly and get it sorted out so you can spend the time with your loved one.
About the Author:
Ronnie Hamilton shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Affordable health insurance, affordable family insurance, blue cross blue shield and Georgia health insurance visit www.usa-healthinsurance.com
Article Source: ArticlesBase.com – Affordable Health Insurance Helps Keep Your Family Prepared For a Medical Emergency
Filed under Health Insurance by on May 15th, 2009. Comment.