Corporate Health Insurance
Group health cover for your employees and their dependents.
Health cover for your team
A group health plan pays for your employees’ medical treatment, up to the limits in the plan you choose. We arrange it with insurers and Takaful operators in the Maldives, and compare the plans on offer against what you need.
Who can be covered
- Your employees
- Their dependents, where the plan includes them
How treatment is paid for
Cashless
The employee shows their insurance card at a hospital or medical centre registered under the plan, and the insurer settles the bill directly.
Reimbursement
The employee pays for treatment, keeps the bills and prescriptions, and claims the cost back.
What plans usually cover
- Inpatient treatment, hospitalisation and surgery
- Outpatient consultations, medicines and tests
- Maternity and newborn care
- Emergency and ambulance services
- Dental and optical care
- Sickness, disease and accidental injury
Your single point of contact, from quote to settlement.
Staff join and leave during the year. Tell us, and we arrange the additions and removals with the insurer.
Three things worth knowing first.
- Cover applies within a set territory. Most plans cover the Maldives, India and Sri Lanka, and some extend further
- Waiting periods apply to some benefits, such as maternity
- A co-payment or deductible can apply, depending on the hospital and how you claim
For a quote
Send us three things.
- Your company name and a copy of its registration
- Your current staff list, with ages, and any dependents to include
- The benefits you would like in the plan
Common questions
- What does group health insurance for a company cover?
- Inpatient treatment, hospitalisation and surgery; outpatient consultations, medicines and tests; maternity and newborn care; emergency and ambulance services; and dental and optical care, up to the limits of the plan you choose. Dependants can be included where the plan allows.
- What is the difference between cashless and reimbursement?
- With cashless, the employee shows the insurance card at a hospital or medical centre registered under the plan and the insurer settles the bill directly. With reimbursement, the employee pays, keeps the bills and prescriptions, and claims the cost back.
- Does the cover work outside the Maldives?
- Cover applies within a set territory. Most plans cover the Maldives, India and Sri Lanka, and some extend further. Waiting periods apply to some benefits, such as maternity, and a co-payment can apply depending on the hospital and how you claim.
How to claim
Tell us
Contact our Claims Hotline or email us as soon as a claim arises.
We guide you
We advise you on documentation and communicate with the insurer.
We follow it through
We monitor the claim’s progress and check the settlement is in line with your policy entitlements.
This page is a summary. Cover is subject to the terms, conditions and exclusions of the insurer’s wording, which prevails. Seguro is a broker and arranges cover with the insurer.
