- Excellent incentive: Group medical insurance is an excellent incentive to employees as it strengthens their bond with the organization.
- Increasing productivity: It is also a great way to increase employee satisfaction as they will have their health issues catered for hence being more upfront about their health.
- Staff Attraction and retention: We recommend our clients consider group medical insurance to attract and retain high-calibre staff. When done in a consultative manner, we can get coverage that best suits the needs of the employees.
Group Medical Insurance
Group health plans for a business or group of any size
Why group medical cover?
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Who is this product for?
Our group medical cover options cater for large corporates (with thousands of employees), SMEs, micro SMEs (with a minimum of 3 employees), registered family groups and even chamas and other groups.
Depending on the plan, your business can cover employees only or offer coverage to the family.
The costs associated with group health insurance varies depending on your business, how many employees you have, and how old the employees are.
By pooling the risk in a group medical cover, the employees’ medical history and pre-existing conditions may not matter in pricing or risk acceptance by the underwriters. The cost per employee is usually much less than the average amount they’d pay if each staff bought insurance individually.
Ready to offer your employee’s group health insurance? We can help you weigh your options—request for a quote today by filling on the form at the bottom of this page.
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What challenge will it solve?
Cost reduction: Group medical covers are beneficial because the risk is spread across a larger pool of people, making it cheaper than individual medical covers.
Employees offload the medical burden: It takes away the responsibility of medicare cost and premium payment from the employee to the employer, therefore, acting as a welfare measure.
Less prohibitive: Group medical covers are flexible compared to individual covers. They may not require medical screening before joining the scheme or limit coverage for pre-existing conditions, congenital conditions, or critical illnesses.
Why work with us?
Did you know that working with an insurance agent doesn't cost you anything extra? You also get advisory services when choosing covers and we walk with you during claims.
Key considerations for medical insurance
What are the factors we'll consider when choosing the best medical insurance cover for your business or group?
Budget
We consider your budget. However, Insurance Premium Financing (IPF) can allow you to pay in installments giving you more flexibility with your budget.
Product Fit
We consider the appropriate product that maximizes your coverage. The advantage of working with an insurance agent is we give you several options to choose from while leveraging our partnerships with various Insurance companies.
Limits
We also consider limits and sub-limits for different conditions. Conditions such as HIV, diabetes, asthma, and even cancer differ in limits from provider to provider. We’ll help you choose something that works for your people.
Restrictions
We consider restrictions on pre-existing conditions. Some providers put a waiting period and exclusions when joining a cover with pre-existing conditions. We’ll help you choose something that works for you.
Deductibles
We consider copay and any other deductibles. Copay means that the insured and the employer cost-share the cost of insurance. Depending on your desires, this can be applied only for some conditions or for the entire cover.
Service
We believe in practicing insurance with differentiated customer service. When helping you choose a cover, we only consider insurance providers known for quality and excellent customer experience.
Options for funding medical insurance
Full employer sponsorship – Employers can cover the premiums in full.
Split costs between employer & employee – Employers can split the cost with employees.
Insurance Premium Financing (IPF) – This option involves a financier (bank) paying insurance premium in full to the insurance company and the insured pays the financier in instalments inclusive of interest.
Benefits of Insurance Premium Financing
Insurance Premium Financing is a facility that enables you to pay your annual premiums in monthly instalments instead of one large lump sum payment. We have partnered with a bank to facilitate this for our clients and enjoy the following features;
- Flexible financing terms of up to 6 months, and all other covers up to 10 months
- Very low-Interest rates linked to base rate and charged on a reducing balance
- Easy application process.
- Quick processing time.
Insurance Premium Financing (IPF)
Did you know you can pay insurance in several instalments? Insurance premium financing helps you get a cover when you need it and allows you to pay for the cover in several instalments. Talk to or fill the form at the bottom of the page to learn more.
More Employee Incentives
Group Personal Accident Insurance
This policy covers your employees for accidental death and total disability, replacement of lost accident income during a temporary disability, medical expenses for 365 days a year, worldwide including as fare-paying passengers on any licensed form of public transport, including commercial aircraft.
The Dawit Touch
Here is what we'll happen when you purchase our employee benefits
At Dawit Insurance Agency we go above and beyond to help ease your work. We’ll help you prepare an employee benefits handbook that can guide new and current employees on all available benefits.
We can also conduct training for existing employees to educate them of available benefits with your new purchase. All the value adds we do come to you at no extra cost.
Being there for you
We help you get your claims settled speadily and fairly
Life has some very unfortunate moments such as death. Death can be devastating for families both emotionally and financially. At Dawit, we pride ourselves in how we handle claims. We help our customers get genuine claims settled speedily and fairly. The image showcases an email conversation between a client and Dawit.
Claiming
Stress free medical insurance claims. What's your role and what's our role?
Dawit Insurance Agency
We at Dawit insurance specialize in guiding you through which product best suits your needs. We will source quotations from different providers on your behalf and comprehensively analyze the offer to determine the one that has the best terms within your budget limit.
We also guide you through the claiming process, assist with seeking pre-authorisations, card replacements and advice on exclusions
Your Orginization
Health insurance has a relatively straightforward claims process. In most cases, all you need to do is present the issued insurance card at any hospital countrywide that accepts your cover. For inpatient services, meaning admission at the hospital, most insurance companies require you to notify them within the first 48 hours of admission.
Be assured you're in safe hands. We have over 15 years of experience in the industry having won a multitude of awards from various insurance companies.
Let's start the conversation
Your first steps towards covering your people or group with medical Insurance begins here. Regardless of the size of your business or group, we help you find a solution that meets your budget and needs.
Learn more about this product
Our ultimate interest is to match the customer’s expectations to the underwriter’s reality and eventually become our clients’ “insurance department”. This is achieved through a dedicated and professional staff and partnerships with insurance companies.
We’d love to hear from you about your business. As you continue to grow and take your business to the next level, let us worry about mitigating your risks. You can reach out by calling, emailing or paying us a visit. You can also fill in the form and we’ll get back to you in a bit.
Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.
+254 712 856 447
