Learn about
Health Insurance

Take care of your employees, so they can take care of business

500+
HRs trust Loop
10,000+
hours saved

Win-win for you
and your employees

filling form icon
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Learn about Group Health Insurance

What Is Group Insurance Policy?

Group health insurance also known as group mediclaim insurance policy for employees is a type of health insurance plan purchased by organizations, small and large, to meet the medical needs of a group of people, notably their employees.

You can select a pre-planned corporate health insurance policy or customize a plan to cater to your precise requirements. Compared to an individual health plan, it is an affordable option plus, employers are eligible for tax deductions of group medical insurance plans in India as well. It’s a win-win!

What Is Group Insurance Policy?

How does group
health insurance work?

Corporate health insurance plans in India are like master plans, offering coverage to every individual in a group. Every employee receives the same, uniform coverage as part of the group insurance plans.

Organizations pick from top insurers and work alongside a member of Loop side-by-side toward tailor-making the best group mediclaim policy for employees.

Typically, employers pay premiums and offer group mediclaim coverage to employees as a benefit. Employee group health coverage sometimes extends this protection to families, too.

How does group health insurance work

Why Should Employers Offer Group Health Insurance For Employees?

Health insurance is important but why offer health insurance to employees is a commonly asked question.

The importance of group medical policy for employees goes beyond smooth day-to-day operations. A mentally and physically healthy individual is more motivated and optimistic. Employee health and productivity go hand in hand. And running a successful business means keeping employees happy.

With the onset of the recent Covid-19 pandemic, health has taken precedence. On that front, in April 2020, the Indian government made it mandatory for all commercial and industrial offices, workplaces, and establishments to provide group medical insurance for employees.

Employee healthcare handbook
10
 min read

Employee healthcare handbook

A quick and easy-to-read guide for implementing employee benefits that work for you and your organization

Who should buy Employee Health Insurance?

Whether small, large, or growing, a corporate medical insurance policy helps keep your team healthy and happy, and signals you care about their well-being.

Who should buy Group Health Insurance

Small companies and young startups

As a start-up or a small business, if you have a team of 7 or more members, with small group health insurance plans, you have the dual group mediclaim policy benefits of protecting the assets of your organization as well as saving on income tax.

Medium-sized companies and growing startups

If your small business is growing and thriving, and has between 50 and 1,000 employees, you fall under this category and can easily seek small business group health insurance. Employee group health insurance gives you an edge by ensuring your employees are motivated and happy.

Large organizations and established startups

As a large and established business, you continually face a demanding economic climate, competitive threats, new challenges, and sizable risks. To move your business forward, you need to provide medical insurance for company employees to make sure they stay healthier and more engaged on the job.

Who Is Eligible For Employee Group Insurance?

Group health insurance in India is available from employer to employee. But non-employer to-employee groups with a common interest who meet employer health insurance requirements are eligible too.

point 1

The minimum number of employees - With Loop, one of the employer group health insurance requirements is a minimum 7-member team. Employees can be family members as well, say a family business. But, the employer-to-employee relationship must be present.

point 2

Registered business - You must officially register Your business along with paperwork and a valid GST number.

How To Select The Best GHI Health Insurance Plan For Your Employees?

With numerous options at the tip of your fingers, you can handpick the best group health insurance policy in India that provides peerless coverage and access to care on your terms.

premium icon

Quick and easy access

Whether it’s in the initial stage of seeking group insurance quotes or in the final stages of assistance with claims, you need corporate health plans with providers who are easily accessible. With the wave of digitization, it’s a bonus to have online access to tools that help with a variety of activities like speaking with a doctor, maintaining records, and making smarter health choices.

chat icon

Effective communication & Support

In a time of need, you need to know your team is backed by reliable insurers who are pleasant, experienced, and well-equipped to deal with multiple situations. The lack of open, transparent communication will leave you in doubt, and you don’t want that. Support is another crucial factor. Be it doctor consults or claims support, we give you 24 X 7 support to get you through any hassles.

thumbs up icon

Service benefits

Akin to communication, service plays a vital role in an employee insurance policy. It’s good to know at a time of need, your group medical insurance plans provider deals with matters sensitively and with the highest care.

premium icon

Premiums

Compare the costs of different group medical insurance plans to see what works best for you. Along with group insurance costs, don’t forget to evaluate the group health insurance benefits that come along with the plan. It wouldn’t be wise to pick simply the cheapest premium. The key is to choose corporate medical insurance in India which falls within your budget yet offers comprehensive benefits.

Yes, I Want Group Health Insurance

How To Get
Group Health Insurance Quotes?

Follow a simple 3-step process to get a customized group health insurance quote from Loop:

document icon

Visit our homepage and click on ‘talk to us’

arrow icon
document icon

Fill out the form and click on ‘get a callback’

arrow icon
premium icon

Our experts will get in touch with you with the best quotes

Which Is Better?
Group Health Insurance Vs Individual Health Insurance

Which is better - Group health coverage Vs individual health insurance? This is a commonly asked question. Before you choose between group or individual health insurance, you must understand the difference.

That being said, there is no right or wrong answer with group hospital insurance vs individual. However, group health medical insurance does come with a few distinct pros to give it an edge over individual insurance. Jump to this section to learn all employer-based health insurance pros and cons.

Factors to Consider

Group
Health Insurance

Individual
Health Plans

person icon
Purchaser

Company purchases group mediclaim policy for its employees.

Based on specific needs, individuals buy individual insurance coverage for themselves and their families.

checkmark icon
Duration of the policy

Group medical insurance is directly tied to the employer's terms of employment; it ends when an employee leaves the company.

The policyholder alone determines how long the coverage will last.

Clipboard icon
Coverage

Group health insurance policies provide standard coverage for the entire enterprise. Family members are included in this coverage as well.

Individuals can select plans to fit their needs and the needs of their families.

rupee icon
Premiums

For corporate health insurance, companies often pay the most affordable premiums. Employees are required to pay little to nothing.

In terms of the sum assured, individual health insurance carries much higher premiums when compared to group health coverage. Additionally, people must consistently pay premiums

checkmark icon
Eligibility

If it is employee health insurance, then almost every employee of the company is given group health insurance automatically, regardless of any existing medical conditions.

The likelihood of eligibility for some plans and covers is restricted based on financial or medical background.

health icon
Added benefits

Despite having lower premiums, group mediclaim insurance has many features and advantages, some of which are included with your policy for no additional cost. Along with health insurance, you also receive primary care and all-around wellness.

Your coverage is broad with individual insurance, but the extra benefits are generally limited and are paid for separately.

Advantages Of Employee Group Health Insurance Policy

Advantages Of Group Health Insurance For Employers

As an employer, it’s of the essence to make your workforce feel safe, appreciated, and important. And that’s one of the advantages of employee health insurance. Of course, employees feel a sense of reassurance, but as an employer or business owner, you have numerous advantages too.

Retain and
attract talent

Employees are more likely to stay with a company that offers valuable benefits. With group health insurance Vs. individual health insurance in India, employees get comprehensive medical insurance along with free added benefits, which helps with countless medical expenses.

Increased focus and productivity

Productivity and benefits go hand-in-hand. An employee who’s concerned about matters in their personal lives is unable to focus on work. The advantages of group medical policy are providing staff with a sense of security, and peace of mind which boosts productivity, engagement, and morale.

Value for money and tax benefits

The primary differentiators of group hospital insurance vs individual health insurance are the cost of premiums. The premium of group health medical insurance plans is cheaper and customizable to suit the needs of every organization. Let’s not forget the group mediclaim policy tax benefit.

Advantages Of Group Health Insurance For Employees In India

What’s worse than getting sick? Getting sick and stuck with a huge hospital or medical bills. As an employee, the advantage of group medical insurance is preventing both of those things.

Doctors

The advantages of group insurance are inefficacious if you don’t have a team of specialized professionals by your side. You must find plans with excellent quality primary care which can help nip issues in the bud.

Cover for family

One of the differences between group health medical insurance and individual is coverage for the family. Depending on the group medical insurance policy in India, some plans extend group health coverage to family members. This way, you have security for your dependents as well in a time of need.

The quick and efficient claims process

Since the group health medical insurance plans are routed through your employer, most of the communication is handled by a single point of contact - making things easier.

Best Features Of
Corporate Insurance Policy

Don’t have group health medical insurance? Let’s learn about the features of group health insurance that you’re missing out on!

No pre-medical screening

With corporate group insurance, the primary difference is the requirement for pre-medical tests. The best group mediclaim policy in India doesn’t require it and even without it, the policies are valid.

No pre-medical screening feature of group health insurance

Waived off
waiting period

A huge difference between corporate medical insurance plans is the waiting period. A group mediclaim insurance for employees doesn’t have this limitation. By paying a small premium amount, employees get group medical coverage for pre-existing diseases from the first day of the policy. This waived-off waiting period is extended to your spouse as well.

Coverage for pre-existing diseases feature of group health insurance

Coverage for pre-existing diseases

Besides no prior medical check-up, employee medical insurance plans offer group health coverage for pre-existing diseases like diabetes, heart conditions, etc. Some employee health insurance services even cover certain critical illnesses.

Loop benefits

Added benefits

Unlike individual insurance, group health care plans come with a range of added benefits such as free and unlimited primary health care, maternity benefit, pre and post-hospitalization costs, room and boarding, surgical fees, drugs, and medicines, ambulance charges, etc.

Added benefits feature of group health insurance
Join our HR Community | Loop health

Join our HR Community

Expand your network and stay on top of HR news. Get looped into latest trends, case studies, discussions, memes and more.

What Is Covered In GHI By Loop?

for healthy employees and a healthier bottom line

What Is Covered In Group Health Insurance By Loop
timer icon

Skip the wait

Waived off waiting periods so you can use your cover & claim instantly off group health insurance waiting period

currency icon

Minimal Out-of-Pocket Expenses

Get the best value from your cover & lower out-of-pocket costs.

heart icon

Coverage for a pre-existing illness

Group medical policy covers pre-existing conditions from day 1.

mediclaim icon

Customized plans + Covid Care

Tailor-made group mediclaim policy based on what’s right for you, including pandemic treatment.

hospital icon

Pre and Post-Hospitalization Care

Corporate health insurance in India covers pre-existing conditions from day 1 coverage for inpatients including room rent, nursing, boarding, surgeon, anesthetist, specialist fees, cost of medicines, etc.

maternity icon

Maternity Coverage

A corporate mediclaim policy in India also covers maternity benefits for normal or cesarean delivery. This cover also includes newborn baby expenses.

Some of India's top brands trust Loop Group Health Insurance

Who Are The Top
Group Health Insurance Providers In India?

Choosing the right employer group health insurance plan from the best group health insurance companies provides a plethora of benefits. By comparing plans from some of the best employee health benefits companies, you can find the best corporate health insurance plans that work in your favor and fits your budget. Let's look at some of the best group health insurance for small businesses and large ones.

Testimonials and Reviews

star iconstar iconstar iconstar iconstar icon

It was great to have Loop Health with us for all our medical needs

Vineet Kewlani
Vineet Kewlani
CHRO - Impact Infotech
star iconstar iconstar iconstar iconstar icon

One of the best features is the in-house team of doctors and specialists. Our employees love Loop’s wellness sessions, and health check-up camps.

Ishwari Chandekar
Ishwari Chandekar
HR Manager, Livio
star iconstar iconstar iconstar iconstar icon

Our association with Loop has been an excellent experience. Kudos to the claims team because the claims are settled very well. Our employees are very happy with the health checkup feature too.

Jagruti Jeevan
Jagruti Jeevan
ProductDossier
star iconstar iconstar iconstar iconstar icon

The online consultation services provided to employees through the Loop app proved to be a life-changer. We have seen many of our employees have taken benefit of the service and it actually served as a big relief to us.

Deepak Rajan Nair
Deepak Rajan Nair
HR Manager, Rivulis Irrigation
star iconstar iconstar iconstar iconstar icon

Please thank Dr. Amruta for making me feel alive, happy & hopeful again. After first day of meds, I experienced 70% of positive change''

Vishaka
Vishaka
Loop Member
star iconstar iconstar iconstar iconstar icon

The medical advisors and the consultations from the in-house doctors has been very helpful. They are very prompt in their communication and follow up.

Rosetta Fernandes
Rosetta Fernandes
HR Manager, Vedam Design
star iconstar iconstar iconstar iconstar icon

It was great to have Loop Health with us for all our medical needs

Vineet Kewlani
Vineet Kewlani
CHRO - Impact Infotech
star iconstar iconstar iconstar iconstar icon

One of the best features is the in-house team of doctors and specialists. Our employees love Loop’s wellness sessions, and health check-up camps.

Ishwari Chandekar
Ishwari Chandekar
HR Manager, Livio
star iconstar iconstar iconstar iconstar icon

Our association with Loop has been an excellent experience. Kudos to the claims team because the claims are settled very well. Our employees are very happy with the health checkup feature too.

Jagruti Jeevan
Jagruti Jeevan
ProductDossier
star iconstar iconstar iconstar iconstar icon

The online consultation services provided to employees through the Loop app proved to be a life-changer. We have seen many of our employees have taken benefit of the service and it actually served as a big relief to us.

Deepak Rajan Nair
Deepak Rajan Nair
HR Manager, Rivulis Irrigation
star iconstar iconstar iconstar iconstar icon

Please thank Dr. Amruta for making me feel alive, happy & hopeful again. After first day of meds, I experienced 70% of positive change''

Vishaka
Vishaka
Loop Member
star iconstar iconstar iconstar iconstar icon

The medical advisors and the consultations from the in-house doctors has been very helpful. They are very prompt in their communication and follow up.

Rosetta Fernandes
Rosetta Fernandes
HR Manager, Vedam Design
star iconstar iconstar iconstar iconstar icon

It was great to have Loop Health with us for all our medical needs

Vineet Kewlani
Vineet Kewlani
CHRO - Impact Infotech
star iconstar iconstar iconstar iconstar icon

One of the best features is the in-house team of doctors and specialists. Our employees love Loop’s wellness sessions, and health check-up camps.

Ishwari Chandekar
Ishwari Chandekar
HR Manager, Livio
star iconstar iconstar iconstar iconstar icon

Our association with Loop has been an excellent experience. Kudos to the claims team because the claims are settled very well. Our employees are very happy with the health checkup feature too.

Jagruti Jeevan
Jagruti Jeevan
ProductDossier
star iconstar iconstar iconstar iconstar icon

The online consultation services provided to employees through the Loop app proved to be a life-changer. We have seen many of our employees have taken benefit of the service and it actually served as a big relief to us.

Deepak Rajan Nair
Deepak Rajan Nair
HR Manager, Rivulis Irrigation
star iconstar iconstar iconstar iconstar icon

Please thank Dr. Amruta for making me feel alive, happy & hopeful again. After first day of meds, I experienced 70% of positive change''

Vishaka
Vishaka
Loop Member
star iconstar iconstar iconstar iconstar icon

The medical advisors and the consultations from the in-house doctors has been very helpful. They are very prompt in their communication and follow up.

Rosetta Fernandes
Rosetta Fernandes
HR Manager, Vedam Design

How To Raise A Claim For Group Mediclaim Insurance?

With an easy claims management process, you’ll have an easy-breezy group health insurance claims experience.

With a cashless claim for an employee health insurance policy, simply pick a network hospital of your choice, keep your e-card handy, fill out the cashless form/pre-authorization form and Loop will take care of the rest.

cashless claim for employee health insurance policy

If you want to visit a non-network hospital of your choice, you can file a reimbursement claim. Here you have to submit all the documents of your hospitalization to the insurer, who will approve and reimburse the amount.

reimbursement claim for employee health insurance policy

What Are The Benefits Of Buying GHI Plans By Loop

What Are The Benefits Of Buying Group Health Insurance Plans By Loop
checkmark icon

Proactive approach

From the stage of purchase until the final stage of claims, you have a dedicated team throughout the loop along with 24 X 7 assistance to get help for your corporate mediclaim policy.

checkmark icon

A plethora of added benefits

With Loop, you have access to a range of added benefits such as an insurance plan covering pre-existing diseases, and pre and post-hospitalization coverage as a part of your employee group health insurance.

checkmark icon

OPD and free and unlimited primary care

With no added or hidden costs, our corporate health plans open avenues for the best primary care.

checkmark icon

Continuity of care

With unlimited consults with experienced doctors, you can expect continuous care. Our specialists will know and understand your concerns, health history, and wellness goals.

checkmark icon

Wellness perks

Our corporate mediclaim insurance helps employees beat work blues with a host of wellness benefits like mental health consults, dental and vision, nutrition, fitness sessions, and more.

checkmark icon

Cashless treatment

One of the benefits of group health insurance plans is network hospitals spread out throughout the country. So, no matter where your employees are, they have access to hassle-free cashless treatment.

Looking For A Happy,
Healthy Workplace?
We Help You Achieve That!

With Loop’s group medical insurance policies, you can keep employees healthy while staying on budget. You get the best employee health insurance plans and added benefits at no extra cost and all-around proactive care from a team that’s like an extension of your family.

Yes, I Want Medical Insurance
A Happy, Healthy Workplace with group health insurance policy

Testimonials and Reviews

star iconstar iconstar iconstar iconstar icon

"For my team, having Loop is like having a doctor in the family."

Makarand Datar
Makarand Datar
CEO - Datar Engineering
star iconstar iconstar iconstar iconstar icon

This year was especially tough, but now we have Loop helping our team.

Maruthi S
Maruthi S
Marquardt
star iconstar iconstar iconstar iconstar icon

We have had Loop as our insurance broker for last 2 years, our experience is very positive. From getting the best quotes to providing unique services via their mobile app to going the extra mile to deliver best services, they've helped us make things easy and convenient for our employees.

Ritesh Shah
Ritesh Shah
Senior HR Manager, Medline India
star iconstar iconstar iconstar iconstar icon

I speak with my Loop doc every week about my diabetes.

Vishal K
Vishal K
Impact Systems
star iconstar iconstar iconstar iconstar icon

My employees no longer call me to ask about their policy because Loop takes care of everything.

Somak G
Somak G
GE
star iconstar iconstar iconstar iconstar icon

Really nice doctors. Helpful in every situation. They do a follow up to check on you. Would definitely recommend.

Sagar
Sagar
Loop Member
star iconstar iconstar iconstar iconstar icon

"For my team, having Loop is like having a doctor in the family."

Makarand Datar
Makarand Datar
CEO - Datar Engineering
star iconstar iconstar iconstar iconstar icon

This year was especially tough, but now we have Loop helping our team.

Maruthi S
Maruthi S
Marquardt
star iconstar iconstar iconstar iconstar icon

We have had Loop as our insurance broker for last 2 years, our experience is very positive. From getting the best quotes to providing unique services via their mobile app to going the extra mile to deliver best services, they've helped us make things easy and convenient for our employees.

Ritesh Shah
Ritesh Shah
Senior HR Manager, Medline India
star iconstar iconstar iconstar iconstar icon

I speak with my Loop doc every week about my diabetes.

Vishal K
Vishal K
Impact Systems
star iconstar iconstar iconstar iconstar icon

My employees no longer call me to ask about their policy because Loop takes care of everything.

Somak G
Somak G
GE
star iconstar iconstar iconstar iconstar icon

Really nice doctors. Helpful in every situation. They do a follow up to check on you. Would definitely recommend.

Sagar
Sagar
Loop Member
star iconstar iconstar iconstar iconstar icon

"For my team, having Loop is like having a doctor in the family."

Makarand Datar
Makarand Datar
CEO - Datar Engineering
star iconstar iconstar iconstar iconstar icon

This year was especially tough, but now we have Loop helping our team.

Maruthi S
Maruthi S
Marquardt
star iconstar iconstar iconstar iconstar icon

We have had Loop as our insurance broker for last 2 years, our experience is very positive. From getting the best quotes to providing unique services via their mobile app to going the extra mile to deliver best services, they've helped us make things easy and convenient for our employees.

Ritesh Shah
Ritesh Shah
Senior HR Manager, Medline India
star iconstar iconstar iconstar iconstar icon

I speak with my Loop doc every week about my diabetes.

Vishal K
Vishal K
Impact Systems
star iconstar iconstar iconstar iconstar icon

My employees no longer call me to ask about their policy because Loop takes care of everything.

Somak G
Somak G
GE
star iconstar iconstar iconstar iconstar icon

Really nice doctors. Helpful in every situation. They do a follow up to check on you. Would definitely recommend.

Sagar
Sagar
Loop Member

FAQs About Group Insurance In India

What is the difference between group and individual health coverage?

chevron icon

A few primary and notable differentiators between individual and group health insurance are:

  • Lower cost of premiums
  • Waived off waiting periods
  • Group medical coverage for pre-existing diseases
  • Maternity cover
  • Free and unlimited primary health care

Is group healthcare policy cheaper than individual health plans?

chevron icon

Group health insurance is definitely a cheaper option for businesses in comparison with individual health insurance. Group mediclaim for employees comes with lower premiums and a host of added benefits that ensure your team is healthy and happy.

What are small business group health insurance requirements?

chevron icon

For group medical insurance for small business, the eligibility criteria is:

  • A minimum number of 7 members
  • Official business registration and GST certificate

To know more about best employer group insurance plans for small businesses, read here: Employer Group Health Insurance Requirements

Is medical insurance mandatory for employees in India?

chevron icon

Yes, medical insurance has been made mandatory for employees by the government of India post the COVID-19 pandemic. This has been put in place to ensure that every employee has some form of protection with group health plans.

How is Loop group health policy beneficial?

chevron icon

Loop Health is a modern health care provider with a proactive approach from start to finish. A group health plan includes a plethora of added benefits, including wellness perks, to your policy at no additional cost. Furthermore, with a team of specialized doctors and medical professionals available 24 X 7, all your health queries will be sorted out with ease. And the dedicated claims team will ensure your experience is absolutely hassle-free.

Why is medical insurance for employees in India important?

chevron icon

Medical exigencies are unpredictable. With a comprehensive group health plan, you can safeguard yourself and your family members, protect your savings, financial stability, fight lifestyle diseases, improve workplace productivity, and so much more.

Does a Loop employee medical insurance policy cover treatment for COVID-19?

chevron icon

Yes, Loop offers comprehensive and cheap group health insurance plans at affordable costs, including COVID-19 cover.  

How much does group health insurance cost for small business?

chevron icon

The cost of group health insurance coverage for small business varies due to lot of factors. At Loop, group coverage health insurance premiums start at Rs. 450/-. This comprises holistic cover from top insurers for your employees, including a range of added benefits and wellness perks, at no additional cost, for all-around preventive care.

How many employees do you need for group health insurance?

chevron icon

The minimum requirement for group health insurance with Loop is 7 members.

Are group health insurance premiums tax deductible?

chevron icon

For employers, the premium paid to provide a group insurance policy for employees in India can be deemed as a business expense. According to the Indian Income Tax Act, 1961, this expense is eligible for tax benefits.

Does group health insurance cover pre-existing conditions?

chevron icon

Unlike individual health plans, group health insurance policies with Loop include health insurance plans for pre-existing conditions with no waiting period in India.

What are the various waiting periods in group health insurance coverage?

chevron icon

The waiting period in insurance varies from policy to policy and issuer to issuer. The different ones are:

  • Initial
  • Pre-existing disease
  • For a specific disease
  • Maternity and newborns

Read more here: Group Health Insurance Waiting Periods

Should you pick a bank offered corporate health policy?

chevron icon

There’s a vast difference between employer group health insurance and a bank group health insurance policy. What you choose entirely relies on what you’re looking for. That being said, employer health insurance comes with a bunch of advantages like no waiting period for pre-existing diseases, choosing the choice of your doctor, added wellness benefits, maternity cover, an extensive network of cashless hospitals, and more.

How should startups get group insurance for employees?

chevron icon

With corporate health insurance, there’s no one size fits all option - and that’s the best part! You can get group health insurance for startups as well as large businesses. You can pick a plan and customize it according to your team and your needs. Insurance for your team is like an investment. You can contact Loop’s team here.

What is the maternity benefit in an employee group health insurance policy?

chevron icon

Maternity benefit is coverage as a part of employer group health insurance policies for pregnant women. This benefit covers the cost of normal delivery and a 14-day post-delivery checkup.

Can you cancel your group health insurance?

chevron icon

Yes, you can cancel your employer group health insurance plan. After cancellation, you will continue to get medical coverage until the end of the month. For example, if you cancel your coverage on the 16th of December, you will get medical coverage until December end.

Read more here: Group Health Insurance Cancellation Policy

What documents do you require for raising a claim?

chevron icon

To raise a claim, you need the following documents: 

  • Identity proof issued by the government
  • Proof of residence and employer address
  • 6-month salary slip 
  • Signed claim form with the details of the claim for reimbursement
  • Printout of form 2A 

Can husband and wife have group health insurance?

chevron icon

If both the husband and wife own a family business and are looking for a group health insurance plan, the wife or husband cannot usually count as the lone employee. If the company has two additional working employees, the wife or husband might join the employer group health plan instead of being a sole owner (who may or may not be family members).

Have more questions?

Read the full FAQs here
loop circle
Win-win for you and your employees
Talk to us
quote icon
Get a quote
close icon