Linking wellness outcomes to your group insurance renewal

Group mediclaim renewals hinge on your incurred claims ratio. Wellness programmes affect it slowly, so the negotiating asset is documentation of risk movement.

Bring three things to the renewal table: risk-band distribution shifts year on year, closure rates on high-risk referrals, and preventive checkup coverage.

Also review structure — sum insured bands, parental cover, sub-limits and OPD add-ons often matter more to employees than a small premium change.

Plan My Health delivers health risk assessment for employees, HRA for insurers and brokers and corporate health checkup packages for companies across India — talk to our corporate health team for a proposal matched to your workforce.