Inpatient Health Insurance Coverage for Companies

Inpatient Health Insurance coverage will form the basis of any group health insurance plan. In order to obtain coverage for a range of extended policy benefits the group will normally need to be insured for inpatient medical treatment.

Inpatient medical treatment is defined as any medical treatment which requires hospitalization; that is to say, the patient will be required to stay in the hospital for one or more nights.

With an Inpatient Health Insurance policy a company can ensure that its employees are comprehensively protected against serious medical conditions which require extensive treatment in the form of surgical procedures or long-term rehabilitation and care inside a hospital.

Inpatient Insurance Coverage for Companies

While the exact coverage received for an inpatient benefit under group health insurance plans will vary dependent upon the insurance provider you choose to purchase your policy from, an Inpatient Coverage benefit on your company’s medical insurance policy will normally offer protection for:

  • Ambulance Costs to a Hospital
  • Diagnostic Testing Fees for X-Rays, MRI’s, PET, and CAT Scans
  • Prescribed Inpatient Medications
  • Surgical Room and Anaesthesiologist Fees
  • Intensive Care Facilities and Fees
  • Semi Private and/or Private Rooms in Hospital

In many cases the Global Health Insurance plans on offer through CCW Global are able to provide businesses and companies with extremely high coverage limits in relation to inpatient insurance protection – often exceeding US$ 1,000,000 per year per employee.

However, it is important to note that due to the fact that CCW works with a number of leading international insurance companies we can offer a range of limits in relation to group inpatient insurance coverage. While a normal inpatient coverage limit will be in the region of US$ 1,000,000 some insurers will provide up to US$ 5,000,000 per policy member per year, and others will even offer unlimited inpatient coverage.

Customizing your Group Inpatient Health Insurance Plan

In many cases CCW Global can help you to fully customize your company’s inpatient health insurance coverage.

We will work with you to ensure that the appropriate levels of protection are being offered to employees, and can even help to tailor the policy so that employees of different seniority levels are able to receive differing levels of protection. For example, in some cases it may be possible to ensure that a C level executive has comprehensive inpatient health insurance protection with no deductibles, while a recent hire will receive a lower level of overall coverage and may have a co-pay or deductible included in their coverage.

There are a number of reasons for customizing your Group’s health insurance plan, not in the least is that this customization can help you to lower your overall policy premium. But choosing to tailor the coverage being provided to your company through a global health insurance policy’s inpatient benefit can also serve as an incentive for outstanding work, enabling stellar employees and higher level executives to receive higher levels of protection in relation to either their work or position.

Free Inpatient Insurance Advice for Groups

If your organization would like to learn more about the options available for inpatient insurance coverage a CCW Global Advisor would be happy to talk to you today.

Our advisors provide no-cost, obligation free consultations to companies and businesses around the world and can help your organization to find the plan which is right for the company’s unique requirements. For more information please Contact Us Today.  

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