{"id":7949,"date":"2023-04-25T14:23:33","date_gmt":"2023-04-25T14:23:33","guid":{"rendered":"https:\/\/rakshithpai.com\/?p=7949"},"modified":"2023-05-02T14:09:28","modified_gmt":"2023-05-02T14:09:28","slug":"employer-health-insurance","status":"publish","type":"post","link":"https:\/\/rakshithpai.com\/employer-health-insurance\/","title":{"rendered":"Employer Health Insurance: Is It Worth Subscribing?"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-662d14ad3cc13\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\" style='display:none' id=\"ez-toc-cssicon-toggle-item-662d14ad3cc13\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Whats_an_Employer_Insurance\" title=\"What\u2019s an Employer Insurance?\">What\u2019s an Employer Insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Comprehensive_Healthcare_Benefits_Under_Employers_Health_Insurance\" title=\"Comprehensive Healthcare Benefits Under Employers Health Insurance:\">Comprehensive Healthcare Benefits Under Employers Health Insurance:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Whats_Covered_Under_Employers_Health_Insurance\" title=\"What\u2019s Covered Under Employers Health Insurance?\">What\u2019s Covered Under Employers Health Insurance?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Employer_Health_Insurance_Eligibility\" title=\"Employer Health Insurance Eligibility:\">Employer Health Insurance Eligibility:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Employers_Group_Medical_Coverage\" title=\"Employers&#8217; Group Medical Coverage:\">Employers&#8217; Group Medical Coverage:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Why_Employer_Provides_Health_Insurance\" title=\"Why Employer Provides Health Insurance?\">Why Employer Provides Health Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Is_Employer_Health_Insurance_Worth_The_Benefit\" title=\"Is Employer Health Insurance Worth The Benefit?\">Is Employer Health Insurance Worth The Benefit?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Heres_a_list_of_Benefits_for_Employees\" title=\"Here\u2019s a list of Benefits for Employees:\">Here\u2019s a list of Benefits for Employees:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Why_Not_Employers_Health_Insurance\" title=\"Why Not Employer&#8217;s Health Insurance?\">Why Not Employer&#8217;s Health Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#What_Should_the_Employee_Do\" title=\"What Should the Employee Do?\">What Should the Employee Do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Conclusion\" title=\"Conclusion:\">Conclusion:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#FAQs\" title=\"FAQ&#8217;s:\">FAQ&#8217;s:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#For_More_Information_Check_this_Video\" title=\"For More Information, Check this Video:\">For More Information, Check this Video:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/#Also_read\" title=\"Also read:\">Also read:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats_an_Employer_Insurance\"><\/span><strong>What\u2019s an Employer Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>The practice of a company providing its workers with access to a group life insurance policy is known as employer-sponsored life insurance or ESL. The employer is the policy&#8217;s owner and pays all premiums; the employee is just the policy&#8217;s beneficiary.<\/strong><\/p>\n\n\n\n<p>For workers who would otherwise go without medical coverage due to financial constraints, an employer-provided health insurance plan is a critical perk. The premium for this plan is being paid for by the company. The employer foots the bill for this benefit.<\/p>\n\n\n\n<p><strong>Does your employer provide you with health insurance? Is that the only health insurance plan you have? Do you think that policy is sufficient?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/link.upstox.com\/nTL28g5QMbdTQ28M6\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p>We\u2019ll Try and answer these questions in this article.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comprehensive_Healthcare_Benefits_Under_Employers_Health_Insurance\"><\/span><strong>Comprehensive Healthcare Benefits Under Employers Health Insurance:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>First, let&#8217;s list down what&#8217;s included in an Employer&#8217;s health insurance. What does an employee get when they subscribe to Health Insurance?<\/strong><\/p>\n\n\n\n<ol>\n<li>Group health insurance for members (Employee &amp; Family)<\/li>\n\n\n\n<li>Extend health benefits to all.<\/li>\n\n\n\n<li>Covers all employee Insurance, Medical needs.<\/li>\n\n\n\n<li>Pharmacy and diagnostic discounts<\/li>\n\n\n\n<li>Free doctor teleconsultations<\/li>\n\n\n\n<li>Cashless claims &amp; reimbursement support<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats_Covered_Under_Employers_Health_Insurance\"><\/span><strong>What\u2019s Covered Under Employers Health Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li>Hospitalization coverage<\/li>\n\n\n\n<li>Healthcare at home&nbsp;<\/li>\n\n\n\n<li>Pre and post-hospitalization expenses<\/li>\n\n\n\n<li>Maternity coverage<\/li>\n\n\n\n<li>Day care treatments<\/li>\n\n\n\n<li>AYUSH treatments covered<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-embed wp-block-embed-embed\"><blockquote class=\"wp-embedded-content\" data-secret=\"p13hTvskVk\"><a href=\"https:\/\/rakshithpai.com\/know-before-health-insurance\/\">What Should You Look for When Buying Health Insurance?<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;What Should You Look for When Buying Health Insurance?&#8221; &#8212; \" src=\"https:\/\/rakshithpai.com\/know-before-health-insurance\/embed\/#?secret=7iBjUNto4q#?secret=p13hTvskVk\" data-secret=\"p13hTvskVk\" width=\"200\" height=\"200\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Employer_Health_Insurance_Eligibility\"><\/span><strong>Employer Health Insurance Eligibility:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Although Employer Health Insurance is a mandatory perk, there&#8217;s no set limit in regard to how much the policy must cover. So, with that said, here are some of the eligibility criteria as per companies;<\/strong><\/p>\n\n\n\n<ol>\n<li>Employer-Employee relations are a must.<\/li>\n\n\n\n<li>The plan is available to any business with at least five employees, including sole proprietorships and partnerships.<\/li>\n\n\n\n<li>The employee and his or her immediate family members (spouse, children, in-laws, siblings, and parents) cannot own more than 51% of the employer&#8217;s company stock.<\/li>\n\n\n\n<li>The Employer Insurance Scheme offers a limited variety of schemes. So, whatever is offered, the employee must subscribe to those listed.<\/li>\n\n\n\n<li>Employees of businesses running at a loss are also eligible for Health Insurance.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Employers_Group_Medical_Coverage\"><\/span><strong>Employers&#8217; Group Medical Coverage:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Here are some of the benefits of employer-sponsored health insurance:<\/strong><\/p>\n\n\n\n<ol>\n<li>You\u2019ll get health insurance free of charge or at a very nominal price.<\/li>\n\n\n\n<li>Health insurance throughout the tenure of your employment.<\/li>\n\n\n\n<li>No pre-medical screening.<\/li>\n\n\n\n<li>Covers preexisting illnesses too.<\/li>\n\n\n\n<li>Can be used as an add-on to the main policy.<\/li>\n<\/ol>\n\n\n\n<p><strong>For more information regarding your employer health insurance, contact your HR.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Employer_Provides_Health_Insurance\"><\/span><strong>Why Employer Provides Health Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol>\n<li>Employee turnover (attrition rate) is reduced when the entity provides Health Insurance to its Employees.<\/li>\n\n\n\n<li>As a result of this program, workers feel more valued and safe at work, which enhances their commitment to the company.&nbsp;<\/li>\n\n\n\n<li>According to Section 37(1) of the IT Act, the premiums paid by the employer for this program are deductible as a business expenditure.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-embed wp-block-embed-embed\"><blockquote class=\"wp-embedded-content\" data-secret=\"M5hZB7vFFa\"><a href=\"https:\/\/rakshithpai.com\/health-insurance\/\">Everything You Need to Know About Health Insurance:<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Everything You Need to Know About Health Insurance:&#8221; &#8212; \" src=\"https:\/\/rakshithpai.com\/health-insurance\/embed\/#?secret=aGtL8FEb8X#?secret=M5hZB7vFFa\" data-secret=\"M5hZB7vFFa\" width=\"200\" height=\"200\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Employer_Health_Insurance_Worth_The_Benefit\"><\/span><strong>Is Employer Health Insurance Worth The Benefit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Up until the COVID pandemic, the employer was not required to provide health insurance. It was then that the government noticed a lack of safety for the working class. It has since been made mandatory.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/link.upstox.com\/nTL28g5QMbdTQ28M6\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p>Employer health insurance is a cost to the company. Now, as with any cost, the company would do its best to reduce the overall charges to the minimum as possible.<\/p>\n\n\n\n<p>So, when health insurance is a mandatory aspect that needs to be provided by your employer, they\u2019ll do their best to subscribe to the cheapest option. Right?<\/p>\n\n\n\n<p><strong>It is for this reason that employers&#8217; health insurance fails to provide proper safety to their employees.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Heres_a_list_of_Benefits_for_Employees\"><\/span><strong>Here\u2019s a list of Benefits for Employees:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li>Employee morale is boosted thanks to this insurance plan, which functions as a form of incentive program.<\/li>\n\n\n\n<li>Employees and their family members are the only ones who may access the maturity funds.<\/li>\n\n\n\n<li>The employee is eligible for an income tax deduction under Section 80C of the IT Act for the premium amount, even if it&#8217;s the employer who pays the premium amount.<\/li>\n\n\n\n<li>Section 10 (10D) of the IT Act provides a comprehensive tax exemption for the maturity amount of life insurance up to Rs. 1.5 lakh.<\/li>\n\n\n\n<li>It is possible to tailor the insurance policy so that it protects employees in the event of an accident, sickness, incapacity, or premature death.<\/li>\n\n\n\n<li>In the event of the employee&#8217;s death, the death benefit will be given to the nominee designated by the employee.<\/li>\n<\/ol>\n\n\n\n<p><strong>[Although the topic discussed is health insurance, there are certain companies that offer life insurance to their employees.]<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-embed wp-block-embed-embed\"><blockquote class=\"wp-embedded-content\" data-secret=\"lkvdQ2Q3WT\"><a href=\"https:\/\/rakshithpai.com\/life-insurance-importance\/\">Is Life Insurance for Everyone?<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Is Life Insurance for Everyone?&#8221; &#8212; \" src=\"https:\/\/rakshithpai.com\/life-insurance-importance\/embed\/#?secret=4prxgI90DO#?secret=lkvdQ2Q3WT\" data-secret=\"lkvdQ2Q3WT\" width=\"200\" height=\"200\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Not_Employers_Health_Insurance\"><\/span><strong>Why Not Employer&#8217;s Health Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Did you know that less than 5% of the insurance your employer provides is comprehensive? Check out this video to learn more about a comprehensive policy.<\/strong><\/p>\n\n\n\n<p>What\u2019s also worrisome is that out of the total health insurance offered to the employees, only 56% of such policies cover maternity benefits, and only 14% of them provide benefits beyond Rs. 50,000. <strong>And as far as OPD coverage, 98% of your employer&#8217;s health insurance does not even cover the outpatient department.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_the_Employee_Do\"><\/span><strong>What Should the Employee Do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Did you know that medical insurance has the highest rate of inflation? It&#8217;s in double digits! Why? Because healthcare costs have risen by over 150% just in the last 10 years.<\/strong><\/p>\n\n\n\n<p>So, if you depend on your employer&#8217;s health insurance, at times of need, there\u2019s a high possibility that you will be asked to pay a good amount of money out of pocket.<\/p>\n\n\n\n<p><strong>Not just that, since most of these policies are basic, almost 75% of employer health insurance does not even cover your parents&#8217; health.<\/strong><\/p>\n\n\n\n<p>So, subscribing to separate private insurance is highly suggested. Again, how do you pick a good health? Check this article on \u201cHealth Insurance\u201d, <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/rakshithpai.com\/know-before-health-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">CLICK HERE!<\/a><\/span><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Your health is your responsibility. But we live in a dynamic world. Anything can happen at any time.<\/strong> See, for example, China\u2019s covid.<\/p>\n\n\n\n<p>So, your health insurance is also your responsibility. It\u2019s good that many corporations are coming forward to fund their employee&#8217;s insurance costs. Insurance coverage provided jointly by a company and an employee works out well for everyone involved. <strong>Attracting and keeping good personnel is a top priority for every business, and this philosophy has never been more important than it is now.<\/strong><\/p>\n\n\n\n<p>But since these insurances are very basic and do not provide full benefits at times of need, it is highly suggested that you subscribe to a fresh health insurance plan that caters to all your needs.<\/p>\n\n\n\n<p><strong>Your health insurance must have a high claim settlement ratio, both pre-and post-hospitalization coverage, no room rent capping or sub-limits on certain illnesses, and OPD coverage is a must.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQ&#8217;s:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-eb9769ba uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\">\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-078ac988\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg><\/span><span class=\"uagb-question\"><strong>What does health insurance cover by employer?<\/strong><\/span><\/div><p class=\"uagb-faq-content\">In the event an employee has to be hospitalized, their health insurance will cover all associated costs, both before and after discharge. Some employee health insurance plans may pay for specialist and other medical practitioner expenses related to follow-up care.\u00a0<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-1beabdef\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg><\/span><span class=\"uagb-question\"><strong>Is medical insurance part of salary?<\/strong><\/span><\/div><p class=\"uagb-faq-content\">Payroll deductions will be made monthly to pay for this coverage. When a covered employee requires medical treatment in a hospital, the policy&#8217;s benefits might be activated. The worker would get nothing if this were not the case. Health insurance plans offered by employers often cost less per month than those offered to eleswhere.<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/link.upstox.com\/nTL28g5QMbdTQ28M6\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_More_Information_Check_this_Video\"><\/span><strong>For More Information, Check this Video:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe loading=\"lazy\" title=\"Employer Health Insurance Scheme | Is It Worth ? | What Should Employees Do? #healthinsurance\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/ZGdzacTGHa8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<p><strong>Disclaimer: <\/strong>All the information on this website is published in good faith and for general information purposes only.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Also_read\"><\/span><strong>Also read:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><a href=\"https:\/\/rakshithpai.com\/term-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Term Life Insurance: Its Features &amp; Benefits<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/global-war-coffee-can-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Global War! Have a cup of coffee<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/companies-invest-blindly\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 10 BEST Companies To Invest In Blindly?!<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/comprehensive-financial-planning\/\" target=\"_blank\" rel=\"noreferrer noopener\">Comprehensive Financial Planning: Features Explained<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/senior-citizens-tax-benefits\/\" target=\"_blank\" rel=\"noreferrer noopener\">Benefits Available for Senior Citizens:&nbsp;Tax &amp; Investment<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>What\u2019s an Employer Insurance? The practice of a company providing its workers with access to a group life insurance policy is known as employer-sponsored life insurance or ESL. The employer is the policy&#8217;s owner and pays all premiums; the employee is just the policy&#8217;s beneficiary. For workers who would otherwise go without medical coverage due [&hellip;]<\/p>\n<div class='heateor_sss_sharing_container heateor_sss_vertical_sharing heateor_sss_bottom_sharing' style='width:44px;right: -10px;top: 100px;background-color: Dark Blue' data-heateor-sss-href='https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949'><div class=\"heateor_sss_sharing_ul\"><a aria-label=\"Facebook\" class=\"heateor_sss_facebook\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Frakshithpai.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F7949\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" style=\"background-color:#0765FE;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewBox=\"0 0 32 32\"><path fill=\"#fff\" d=\"M28 16c0-6.627-5.373-12-12-12S4 9.373 4 16c0 5.628 3.875 10.35 9.101 11.647v-7.98h-2.474V16H13.1v-1.58c0-4.085 1.849-5.978 5.859-5.978.76 0 2.072.15 2.608.298v3.325c-.283-.03-.775-.045-1.386-.045-1.967 0-2.728.745-2.728 2.683V16h3.92l-.673 3.667h-3.247v8.245C23.395 27.195 28 22.135 28 16Z\"><\/path><\/svg><\/span><\/a><a aria-label=\"Twitter\" class=\"heateor_sss_button_twitter\" href=\"http:\/\/twitter.com\/intent\/tweet?text=%20-%20Save%20-%20Invest%20-%20Repeat&url=https%3A%2F%2Frakshithpai.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F7949\" title=\"Twitter\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg heateor_sss_s__default heateor_sss_s_twitter\" style=\"background-color:#55acee;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewBox=\"-4 -4 39 39\"><path d=\"M28 8.557a9.913 9.913 0 0 1-2.828.775 4.93 4.93 0 0 0 2.166-2.725 9.738 9.738 0 0 1-3.13 1.194 4.92 4.92 0 0 0-3.593-1.55 4.924 4.924 0 0 0-4.794 6.049c-4.09-.21-7.72-2.17-10.15-5.15a4.942 4.942 0 0 0-.665 2.477c0 1.71.87 3.214 2.19 4.1a4.968 4.968 0 0 1-2.23-.616v.06c0 2.39 1.7 4.38 3.952 4.83-.414.115-.85.174-1.297.174-.318 0-.626-.03-.928-.086a4.935 4.935 0 0 0 4.6 3.42 9.893 9.893 0 0 1-6.114 2.107c-.398 0-.79-.023-1.175-.068a13.953 13.953 0 0 0 7.55 2.213c9.056 0 14.01-7.507 14.01-14.013 0-.213-.005-.426-.015-.637.96-.695 1.795-1.56 2.455-2.55z\" fill=\"#fff\"><\/path><\/svg><\/span><\/a><a aria-label=\"Linkedin\" class=\"heateor_sss_button_linkedin\" href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Frakshithpai.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F7949\" title=\"Linkedin\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg heateor_sss_s__default heateor_sss_s_linkedin\" style=\"background-color:#0077b5;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewBox=\"0 0 32 32\"><path d=\"M6.227 12.61h4.19v13.48h-4.19V12.61zm2.095-6.7a2.43 2.43 0 0 1 0 4.86c-1.344 0-2.428-1.09-2.428-2.43s1.084-2.43 2.428-2.43m4.72 6.7h4.02v1.84h.058c.56-1.058 1.927-2.176 3.965-2.176 4.238 0 5.02 2.792 5.02 6.42v7.395h-4.183v-6.56c0-1.564-.03-3.574-2.178-3.574-2.18 0-2.514 1.7-2.514 3.46v6.668h-4.187V12.61z\" fill=\"#fff\"><\/path><\/svg><\/span><\/a><a aria-label=\"Whatsapp\" class=\"heateor_sss_whatsapp\" href=\"https:\/\/api.whatsapp.com\/send?text=%20-%20Save%20-%20Invest%20-%20Repeat https%3A%2F%2Frakshithpai.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F7949\" title=\"Whatsapp\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" style=\"background-color:#55eb4c;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewBox=\"-6 -5 40 40\"><path class=\"heateor_sss_svg_stroke heateor_sss_no_fill\" stroke=\"#fff\" stroke-width=\"2\" fill=\"none\" d=\"M 11.579798566743314 24.396926207859085 A 10 10 0 1 0 6.808479557110079 20.73576436351046\"><\/path><path d=\"M 7 19 l -1 6 l 6 -1\" class=\"heateor_sss_no_fill heateor_sss_svg_stroke\" stroke=\"#fff\" stroke-width=\"2\" fill=\"none\"><\/path><path d=\"M 10 10 q -1 8 8 11 c 5 -1 0 -6 -1 -3 q -4 -3 -5 -5 c 4 -2 -1 -5 -1 -4\" fill=\"#fff\"><\/path><\/svg><\/span><\/a><a aria-label=\"Copy Link\" class=\"heateor_sss_button_copy_link\" title=\"Copy Link\" rel=\"nofollow noopener\" href=\"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949\" onclick=\"event.preventDefault()\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg heateor_sss_s__default heateor_sss_s_copy_link\" style=\"background-color:#ffc112;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewBox=\"-4 -4 40 40\"><path fill=\"#fff\" d=\"M24.412 21.177c0-.36-.126-.665-.377-.917l-2.804-2.804a1.235 1.235 0 0 0-.913-.378c-.377 0-.7.144-.97.43.026.028.11.11.255.25.144.14.24.236.29.29s.117.14.2.256c.087.117.146.232.177.344.03.112.046.236.046.37 0 .36-.126.666-.377.918a1.25 1.25 0 0 1-.918.377 1.4 1.4 0 0 1-.373-.047 1.062 1.062 0 0 1-.345-.175 2.268 2.268 0 0 1-.256-.2 6.815 6.815 0 0 1-.29-.29c-.14-.142-.223-.23-.25-.254-.297.28-.445.607-.445.984 0 .36.126.664.377.916l2.778 2.79c.243.243.548.364.917.364.36 0 .665-.118.917-.35l1.982-1.97c.252-.25.378-.55.378-.9zm-9.477-9.504c0-.36-.126-.665-.377-.917l-2.777-2.79a1.235 1.235 0 0 0-.913-.378c-.35 0-.656.12-.917.364L7.967 9.92c-.254.252-.38.553-.38.903 0 .36.126.665.38.917l2.802 2.804c.242.243.547.364.916.364.377 0 .7-.14.97-.418-.026-.027-.11-.11-.255-.25s-.24-.235-.29-.29a2.675 2.675 0 0 1-.2-.255 1.052 1.052 0 0 1-.176-.344 1.396 1.396 0 0 1-.047-.37c0-.36.126-.662.377-.914.252-.252.557-.377.917-.377.136 0 .26.015.37.046.114.03.23.09.346.175.117.085.202.153.256.2.054.05.15.148.29.29.14.146.222.23.25.258.294-.278.442-.606.442-.983zM27 21.177c0 1.078-.382 1.99-1.146 2.736l-1.982 1.968c-.745.75-1.658 1.12-2.736 1.12-1.087 0-2.004-.38-2.75-1.143l-2.777-2.79c-.75-.747-1.12-1.66-1.12-2.737 0-1.106.392-2.046 1.183-2.818l-1.186-1.185c-.774.79-1.708 1.186-2.805 1.186-1.078 0-1.995-.376-2.75-1.13l-2.803-2.81C5.377 12.82 5 11.903 5 10.826c0-1.08.382-1.993 1.146-2.738L8.128 6.12C8.873 5.372 9.785 5 10.864 5c1.087 0 2.004.382 2.75 1.146l2.777 2.79c.75.747 1.12 1.66 1.12 2.737 0 1.105-.392 2.045-1.183 2.817l1.186 1.186c.774-.79 1.708-1.186 2.805-1.186 1.078 0 1.995.377 2.75 1.132l2.804 2.804c.754.755 1.13 1.672 1.13 2.75z\"\/><\/svg><\/span><\/a><a class=\"heateor_sss_more\" title=\"More\" rel=\"nofollow noopener\" style=\"font-size: 32px!important;border:0;box-shadow:none;display:inline-block!important;font-size:16px;padding:0 4px;vertical-align: middle;display:inline;\" href=\"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949\" onclick=\"event.preventDefault()\"><span class=\"heateor_sss_svg\" style=\"background-color:#ee8e2d;width:40px;height:40px;margin:0;display:inline-block!important;opacity:1;float:left;font-size:32px!important;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;display:inline;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box;\" onclick=\"heateorSssMoreSharingPopup(this, 'https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949', '%20-%20Save%20-%20Invest%20-%20Repeat', '' )\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" viewBox=\"-.3 0 32 32\" version=\"1.1\" width=\"100%\" height=\"100%\" style=\"display:block;\" xml:space=\"preserve\"><g><path fill=\"#fff\" d=\"M18 14V8h-4v6H8v4h6v6h4v-6h6v-4h-6z\" fill-rule=\"evenodd\"><\/path><\/g><\/svg><\/span><\/a><\/div><div class=\"heateorSssClear\"><\/div><\/div>","protected":false},"author":1,"featured_media":7952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[3,10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Employer Health Insurance: Is It Worth Subscribing? -<\/title>\n<meta name=\"description\" content=\"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers&#039; Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer&#039;s Health Insurance? What Should the Employee Do?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rakshithpai.com\/employer-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employer Health Insurance: Is It Worth Subscribing? -\" \/>\n<meta property=\"og:description\" content=\"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers&#039; Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer&#039;s Health Insurance? What Should the Employee Do?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rakshithpai.com\/employer-health-insurance\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/Iam.Mrpai\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-25T14:23:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-02T14:09:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rakshith Pai\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Iam_MrPai\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rakshith Pai\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/\",\"url\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/\",\"name\":\"Employer Health Insurance: Is It Worth Subscribing? -\",\"isPartOf\":{\"@id\":\"https:\/\/rakshithpai.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg\",\"datePublished\":\"2023-04-25T14:23:33+00:00\",\"dateModified\":\"2023-05-02T14:09:28+00:00\",\"author\":{\"@id\":\"https:\/\/rakshithpai.com\/#\/schema\/person\/5a10929466befdcdb3013e5341aeb693\"},\"description\":\"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers' Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer's Health Insurance? What Should the Employee Do?\",\"breadcrumb\":{\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/rakshithpai.com\/employer-health-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage\",\"url\":\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg\",\"contentUrl\":\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg\",\"width\":1280,\"height\":720,\"caption\":\"Employer Health Insurance: Is It Worth Subscribing?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/rakshithpai.com\/employer-health-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/rakshithpai.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Employer Health Insurance: Is It Worth Subscribing?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/rakshithpai.com\/#website\",\"url\":\"https:\/\/rakshithpai.com\/\",\"name\":\"\",\"description\":\"Save - Invest - Repeat\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/rakshithpai.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/rakshithpai.com\/#\/schema\/person\/5a10929466befdcdb3013e5341aeb693\",\"name\":\"Rakshith Pai\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rakshithpai.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g\",\"caption\":\"Rakshith Pai\"},\"description\":\"An Investor, Entrepreneur by profession, and an Economist (Monetarist) by passion. Professional Investor in Equities and other assets. Here to spread the concept of \u201cSane Investing\u201d.\",\"sameAs\":[\"https:\/\/rakshithpai.com\",\"https:\/\/www.facebook.com\/Iam.Mrpai\",\"https:\/\/www.instagram.com\/iam_mrpai\",\"https:\/\/www.linkedin.com\/in\/iam-mrpai\",\"https:\/\/in.pinterest.com\/Iam_MrPai\",\"https:\/\/x.com\/Iam_MrPai\",\"https:\/\/www.youtube.com\/channel\/UC3vfc8G1sysZleCAKbytRFQ?view_as=subscriber\"],\"url\":\"https:\/\/rakshithpai.com\/author\/mrpai27\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Employer Health Insurance: Is It Worth Subscribing? -","description":"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers' Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer's Health Insurance? What Should the Employee Do?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rakshithpai.com\/employer-health-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Employer Health Insurance: Is It Worth Subscribing? -","og_description":"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers' Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer's Health Insurance? What Should the Employee Do?","og_url":"https:\/\/rakshithpai.com\/employer-health-insurance\/","article_author":"https:\/\/www.facebook.com\/Iam.Mrpai","article_published_time":"2023-04-25T14:23:33+00:00","article_modified_time":"2023-05-02T14:09:28+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg","type":"image\/jpeg"}],"author":"Rakshith Pai","twitter_card":"summary_large_image","twitter_creator":"@Iam_MrPai","twitter_misc":{"Written by":"Rakshith Pai","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/","url":"https:\/\/rakshithpai.com\/employer-health-insurance\/","name":"Employer Health Insurance: Is It Worth Subscribing? -","isPartOf":{"@id":"https:\/\/rakshithpai.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage"},"image":{"@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg","datePublished":"2023-04-25T14:23:33+00:00","dateModified":"2023-05-02T14:09:28+00:00","author":{"@id":"https:\/\/rakshithpai.com\/#\/schema\/person\/5a10929466befdcdb3013e5341aeb693"},"description":"Employer Health Insurance: Is It Worth Subscribing? What\u2019s an Employer Insurance? Comprehensive Healthcare Benefits Under Employers Health Insurance: What\u2019s Covered Under Employers Health Insurance? Employer Health Insurance Eligibility: Employers' Group Medical Coverage: Why Employer Provides Health Insurance? Is Employer Health Insurance Worth The Benefit? Here\u2019s a list of Benefits for Employees: Why Not Employer's Health Insurance? What Should the Employee Do?","breadcrumb":{"@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rakshithpai.com\/employer-health-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/#primaryimage","url":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg","contentUrl":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg","width":1280,"height":720,"caption":"Employer Health Insurance: Is It Worth Subscribing?"},{"@type":"BreadcrumbList","@id":"https:\/\/rakshithpai.com\/employer-health-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rakshithpai.com\/"},{"@type":"ListItem","position":2,"name":"Employer Health Insurance: Is It Worth Subscribing?"}]},{"@type":"WebSite","@id":"https:\/\/rakshithpai.com\/#website","url":"https:\/\/rakshithpai.com\/","name":"","description":"Save - Invest - Repeat","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rakshithpai.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/rakshithpai.com\/#\/schema\/person\/5a10929466befdcdb3013e5341aeb693","name":"Rakshith Pai","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rakshithpai.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g","caption":"Rakshith Pai"},"description":"An Investor, Entrepreneur by profession, and an Economist (Monetarist) by passion. Professional Investor in Equities and other assets. Here to spread the concept of \u201cSane Investing\u201d.","sameAs":["https:\/\/rakshithpai.com","https:\/\/www.facebook.com\/Iam.Mrpai","https:\/\/www.instagram.com\/iam_mrpai","https:\/\/www.linkedin.com\/in\/iam-mrpai","https:\/\/in.pinterest.com\/Iam_MrPai","https:\/\/x.com\/Iam_MrPai","https:\/\/www.youtube.com\/channel\/UC3vfc8G1sysZleCAKbytRFQ?view_as=subscriber"],"url":"https:\/\/rakshithpai.com\/author\/mrpai27\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg",1280,720,false],"thumbnail":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-150x150.jpg",150,150,true],"medium":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-300x169.jpg",300,169,true],"medium_large":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-768x432.jpg",768,432,true],"large":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg",1280,720,false],"2048x2048":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme.jpg",1280,720,false],"web-stories-poster-portrait":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-640x720.jpg",640,720,true],"web-stories-publisher-logo":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-96x96.jpg",96,96,true],"web-stories-thumbnail":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2023\/04\/Employer-Health-Insurance-Scheme-150x84.jpg",150,84,true]},"uagb_author_info":{"display_name":"Rakshith Pai","author_link":"https:\/\/rakshithpai.com\/author\/mrpai27\/"},"uagb_comment_info":0,"uagb_excerpt":"What\u2019s an Employer Insurance? The practice of a company providing its workers with access to a group life insurance policy is known as employer-sponsored life insurance or ESL. The employer is the policy&#8217;s owner and pays all premiums; the employee is just the policy&#8217;s beneficiary. For workers who would otherwise go without medical coverage due&hellip;","_links":{"self":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949"}],"collection":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/comments?post=7949"}],"version-history":[{"count":7,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949\/revisions"}],"predecessor-version":[{"id":7995,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/7949\/revisions\/7995"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/media\/7952"}],"wp:attachment":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/media?parent=7949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/categories?post=7949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/tags?post=7949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}