1. This ratio is very low.
The object of medical and health group insurance is generally enterprise employees, so the number of people is relatively large and the risks are scattered. The cost of medical and health group insurance in customer development and maintenance is relatively low, so group insurance is relatively cheap; At the same time, for customers who have been insured for a long time, accurate experience rates can be formulated according to claims data, and the rates are more favorable.
2. Wide coverage
The coverage of medical and health group insurance is wider than that of individual insurance. For example, outpatient and emergency expenses are not covered by personal insurance. Personal health insurance has basically stopped outpatient and emergency insurance because of the high payout ratio, but the outpatient and emergency insurance of group medical health insurance is still open, as long as it is within the scope of medical insurance, you can get insurance compensation; Some group medical and health insurance can not only protect employees, but also their spouses and children can enjoy the same insurance benefits as some group members.
3. Insurance is more flexible
Group medical and health insurance is not as strict as individual insurance. Under normal circumstances, group insurance does not require a medical examination, and the age limit for insurance is relatively loose. The insured can be increased or decreased at any time during the underwriting period, which is very convenient for the personnel and financial operation of the unit.
Generally speaking, group medical and health insurance has three characteristics: low rate, wide coverage and flexible insurance. Enterprises and institutions can choose formal insurance institutions or third-party sales platforms to insure group medical and health insurance for employees, so as to better reduce the burden of medical treatment for employees and reduce the economic pressure of sick employees' families.