1) to determine the insurance amount. How much health insurance to insure is a headache for enterprises. Excessive premium expenditure will become a burden. If it is too little, it will not play a protective role. Generally, the amount of insurance should be determined according to the employee welfare system of the enterprise and the status of insurance in various guarantees.
2) Pay attention to the scope of protection. At present, the coverage of group medical health insurance in the market mainly includes: emergency or hospitalization caused by accidents or diseases, hospitalization allowance, women's health, major diseases and so on. Insurance companies flexibly match group medical and health insurance to further meet the needs of enterprises: some group insurances combine health insurance with life insurance and accident insurance; Some group insurance takes health insurance as additional insurance, which increases the flexibility of insurance portfolio; In addition, there are independent group medical and health insurance, which can be insured separately and not attached to other types of insurance.
3) When purchasing, the enterprise shall provide detailed information of employees, such as number, age, ID card, male-female ratio, occupation, health statement, etc., and provide employee health notice when necessary. The insurance company will give an accurate rate according to the specific situation. The minimum number of group medical and health insurance applicants is generally five or eight, and the number of applicants should account for more than 75% of the total number of enterprises, so as to prevent the moral hazard of adverse selection of policyholders.
4) See clearly the deductible and compensation ratio in the policy. Many group medical and health insurance will have a deductible of 50-500 yuan for outpatient and emergency expenses, while others will not. In addition, the compensation ratio of hospitalization and medical expenses is different, some are paid in full within the scope of medical insurance, and some only pay 80%. If the company's welfare situation is good, it can choose insurance with low deductible and high compensation ratio, and give full play to the guarantee function of group medical and health insurance.
After the group medical and health insurance is insured, the insurance company will give each insured member a service card and manual, so that they can contact the insurance company for consultation in time if they have any questions; When personnel flow occurs in an enterprise, the insured unit can go through the formalities of personnel change or reduction with the help of group insurance business personnel (the requirements of each company are not exactly the same), which can generally be completed within 5 working days.