Employee Health
Group medical benefits can be structured for employees and eligible dependants.
Group Insurance
Group Medical Insurance
Group Medical Insurance is designed to address specified group insurance risks, with coverage structured around the insured interest, policy limits and applicable terms.
Understand the cover
Claims guidance
Coverage choicesCustomer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Group insurance allows an organisation to arrange specified benefits for an eligible group such as employees, members or travellers. Eligibility, benefit design and administration depend on the group and policy.
Plan Design
Employers can select benefit limits and eligible categories subject to underwriting.
Administration
Member additions, deletions and claims follow the group policy administration process.
Coverage Planning
Group medical benefits for eligible members.
Coverage Planning
Group personal accident benefits where selected.
Coverage Planning
Group term life protection where arranged.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
01
Group medical benefits for eligible members.
02
Group personal accident benefits where selected.
03
Group term life protection where arranged.
04
Group travel protection for eligible journeys.
05
Optional member or dependent benefits where available.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Coverage is limited to eligible members and benefits defined in the group schedule.
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Waiting periods, exclusions and sub-limits may apply depending on the product.
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Coverage can change when employment or membership status changes, subject to policy rules.
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Benefits above the group schedule limits are not payable.
Documents that may be requested
- Organisation proposal and employee/member census.
- Age, relationship and eligibility information.
- Group policy schedule and member records.
- Medical or claim documents where required.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Notify the insurer/TPA through the organisation's defined process.
02Provide employee/member identification and policy details.
03Submit medical, accident or travel evidence as applicable.
04Track authorisation or reimbursement requirements.
05Cooperate with the insurer or TPA.
FREQUENT QUESTIONS
Questions customers commonly ask
Who can be included?
Eligibility is determined by the group policy and may include employees, dependants or defined members.
Can benefits be customised?
Group plans can often be structured around selected benefits, limits and optional covers subject to underwriting.
What happens when an employee leaves?
Coverage changes are handled according to the group policy terms and applicable continuation or portability provisions.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Group Medical Insurance
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.