With group insurance, one of the characteristics is that the insurance policy is more uniform. However, it is possible to have a group insurance policy customized to cater to the profile of an individual, depending on the policy you select.

Coverage For Family Members

Make it possible for employees to extend the benefits of the group insurance policy to his or her spouse and children. This will save employees money and will also allow them to avoid the hassle of having to seek coverage for dependents. There are some group insurance policies that even have favorable variables for older family members. For instance, while most insurance policies will not want to insure someone who is over 60, there are some that may be willing to insure a family member who is 60-80 years old.

Maternity Benefits

Mothers and expecting mothers working for your company will appreciate benefits designed to protect them while expecting and that will protect their children. There are many individual health insurance policies that do not offer maternity benefits. Also, the policy should cover the baby of the insured mother from the day of birth. After the child is born, the mother typically needs in-patient care and the child is treated as a part of the mother.

Immediate Coverage

Employers may want a policy that offers benefits that can be used immediately. Usually, with individual plans, there is a waiting period before the benefits can be used. However, if the benefits are able to be used immediately, this can protect the employer and will also protect the employee if he or she becomes sick unexpectedly.

Policies Customized For Demographics

There are many programs that will offer customized policies based on the demographic that a particular employee is a part of. For instance, a middle aged man will have different needs than a pregnant woman. 

Value Added Benefits

Consider policies that have value added benefits. These are policies that may offer discounts for employees who maintain healthy lifestyles. Also, some policies offer discounts for products and services that are designed to assist in maintaining a healthy lifestyle, such as a gym membership.

If you are unsure about the ways in which your group insurance policy can be customized, it is best to consult with a group insurance broker. He or she will be able to find a policy that suits the needs of as many of your employees as possible. Places like Health Shop Inc can help.

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