Choosing the LCA program for employees, we must proceed from the tasks set by the company. In order to create conditions for workers when they are less likely to get sick, we recommend a special insurance program, which on the one hand, to help protect employees, and on the other - will contribute to the creation of a normal working environment.
But there is another approach, when the company via insurance programs creates conditions that motivate employees "treated". In this case, the insured seeking to maximize "select" all possible options of insurance policy. They attend relevant and not relevant specialists are assigned a lot of surveys and so on. And most of all it occurs during working hours. Such programs do not regard us as the protection of its employees, as well as extra motivation, but do not take into account that in this way reduce the efficiency of the team.
Another aspect that will influence the choice of insurance programs - is, of course, a budget that is ready to allocate the company (or the employees themselves) for insurance. Depending on this, you can understand how wide will cover risks in the policy. Excluding the not too critical risks and / or entering service franchise in expensive branded clinics, can significantly reduce the cost of insurance.
In some companies, especially in large international corporations have their own corporate standards for medical expenses insurance. In this case, it is not possible to vary the coating on the cost of the policy will affect the number of insured employees.
When calculating the risks of the program LCA in some insurance companies have a principle that insurance is taken not less than 80% of all collective or individual units. This is done in order to avoid selective security of those who are already in need of treatment. When insuring employees in tariff calculation takes into account a certain probability of occurrence of insured events.
If at the same time on the same principle of fear and relatives (ie all employees are insured relatives), it can be assumed arbitrarily that the risk does not change or change slightly. If relatives pay for the employees themselves, and they have the right of choice "to insure or not to insure," in this case the risk insured "patients" increases.
In the underwriting policies of some insurance companies are prescribed the following: if the number of family members under the contract 50 people, for example, or more, they can be insured under the same rates, as well as employees. If less than 50 - they need to fill out a declaration of health, and the ratio of the number of discount does not apply.
But there is another approach, when the company via insurance programs creates conditions that motivate employees "treated". In this case, the insured seeking to maximize "select" all possible options of insurance policy. They attend relevant and not relevant specialists are assigned a lot of surveys and so on. And most of all it occurs during working hours. Such programs do not regard us as the protection of its employees, as well as extra motivation, but do not take into account that in this way reduce the efficiency of the team.
Another aspect that will influence the choice of insurance programs - is, of course, a budget that is ready to allocate the company (or the employees themselves) for insurance. Depending on this, you can understand how wide will cover risks in the policy. Excluding the not too critical risks and / or entering service franchise in expensive branded clinics, can significantly reduce the cost of insurance.
In some companies, especially in large international corporations have their own corporate standards for medical expenses insurance. In this case, it is not possible to vary the coating on the cost of the policy will affect the number of insured employees.
When calculating the risks of the program LCA in some insurance companies have a principle that insurance is taken not less than 80% of all collective or individual units. This is done in order to avoid selective security of those who are already in need of treatment. When insuring employees in tariff calculation takes into account a certain probability of occurrence of insured events.
If at the same time on the same principle of fear and relatives (ie all employees are insured relatives), it can be assumed arbitrarily that the risk does not change or change slightly. If relatives pay for the employees themselves, and they have the right of choice "to insure or not to insure," in this case the risk insured "patients" increases.
In the underwriting policies of some insurance companies are prescribed the following: if the number of family members under the contract 50 people, for example, or more, they can be insured under the same rates, as well as employees. If less than 50 - they need to fill out a declaration of health, and the ratio of the number of discount does not apply.
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