Group Health
Health cover that a company arranges for its employees (and optionally their families) under a single policy.
What is Group Health and how does it work?
Group health insurance is health cover an employer arranges for its employees under a single policy. It can offer a lower premium per person than individual policies, because risk is spread across a group and there is a bulk-purchase advantage.
The strength of the policy depends on the size of the group, its age mix and the claims ratio of previous years. If the claims ratio is high, the premium may rise at renewal, so managing the annual renewal well matters as much as choosing the right insurer and cover structure.
Who is it for?
It suits small, medium and large businesses that want to offer a health benefit, keep their team and stand out when hiring.
A setup guide for employers
In group health insurance, headcount, age mix and past claims set the premium. For small teams, a common path is to start with a simple inpatient structure and add outpatient care and family cover over time.
Once the policy starts, it matters to notify new joiners and leavers on time; an employee left off the list can cause trouble at claim time. We handle that follow-up for you and prepare new quotes at renewal.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- A shared cover framework for employees
- Family members can be added (depends on the company)
- Annual renewal and adding or removing people
What to look at when choosing
- Price and cover differences by headcount
- Claims ratio and renewal premium
- How new hires are added to the policy
Frequently asked questions
How many employees are needed for group health?
The minimum varies by insurer. There are options for small teams too; if you share your headcount we will narrow down suitable insurers.
Can employees' families be added?
Most policies let you add spouses and children as an option. Whether the employer or the employee pays for family members is up to you.
How are new joiners and leavers handled?
People can be added or removed during the policy period, with an additional or refund premium calculated. We follow this process for you.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.