How to Maximize Employee Benefits with Your Group Medical Insurance?

How to Maximize Employee Benefits with Your Group Medical Insurance?

How to Maximize Employee Benefits with Your Group Medical Insurance?

blüüm
employee benefits
Aug 9, 2021
How to Maximize Employee Benefits with Your Group Medical Insurance?

The outbreak of COVID-19 has not only slapped the global economy, but also triggered a worldwide public health emergency. The enhancement of business continuity, hence, has become a prominent issue that businesses should look into. Other than profit and loss, the pandemic has also alerted companies to take its employees’ well-being into consideration, in order to create greater and more sustainable prosperity to the organisation. Thus, purchasing group medical insurance has become a prevalent norm for large corporations, SME or startups who would like to keep the morale of employees high.


The coverage details and value-added services of a group medical insurance plan can be an important part of your company's employee benefits. Here are the 3 manoeuvres to help you make the right choice.

Why is it crucial to select a well-designed group medical insurance plan?

A group medical care plan with all-round coverage can bring a range of advantages:

  1. Safeguard the overall well-being of the employees. 
  2. Concrete employees’ sense of belonging, as they are the valuable assets of the company.
  3. Build trustworthy relationships by strengthening the bonding between employers and employees.
  4. Retain talents and recruit fresh elites, subsequently reduce hiring costs for the company.
  5. Act as a long-term investment for business development that furnishes employees with a sense of financial stability.
  6. Cultivate work productivity in light of the reduced financial and mental burden due to comprehensive financial protection offerings.
  7. Establish a reputation for having an excellent people-oriented company culture in the industry.
Enhancing employees’ physical and mental well-being

Wellness Programmes - Enhancing employees’ physical and mental well-being

In order to enhance the employees’ well-being, the HR department often implements a series of wellness programmes, such as gym memberships, health assessments, massage services, personal development courses etc. This can not only encourage workers to stay active, but also to raise their awareness towards personal health both in the workplace and in their spare time. Many of these employee benefits can actually be found in some group medical insurance plans. These group medical plans are a one-stop shop for group health protection and wellness programmes. For example, blüüm team group medical insurance has rolled out value-added well-being services, including access to perks platform that includes offers to various health-related activities, and subscription to clinically-validated guided meditation app. 

Having a wellness programme that comes with your group medical insurance plan not only saves time for HR sourcing and organising different wellness activities, the wellness programme can also increase employers’ control over premium charge. As the health condition and well-being of employees improve, they are less likely to fall sick and visit the doctor. Employers can grasp effective control over the renewal premium rates. At the end of the day, the company can have better budgeting and cost management over healthcare. For other tips on controlling your group medical insurance premium rates, check our article: 3 Insider Tips on Group Medical Insurance Renewal.


Employees’ mental and financial burden

Comprehensive protection coverage - Alleviating the employees’ mental and financial burden

A recent survey conducted by The City Mental Health Alliance Hong Kong has shown that 1 in 4 Hong Kong employees experienced mental issues in the past years. A lot of employees have experienced several common symptoms associated with poor mental health, such as physical tiredness (45%) , feeling mentally drained (42%), as well as sleeping issues (36%).

Being hospitalised in a hospital can deteriorate employees’ mental health with increased financial burden because of suspension from work. The undesirable health conditions of employees may hamper the business development of the organisation, especially for startups and SMEs. This is where the employer's choice of group medical insurance would make a difference. Sub-limits are very common in group medical insurance plan coverage, which often employees are not able to claim the full amount of hospital bills.


An all-round group medical insurance plan with comprehensive lump-sum coverage and hospital income benefits can alleviate employees’ financial and mental health burden, enabling them to recover at ease and resume work at full productivity. 

blüüm team group medical insurance plan offers a choice of sub-limit plan or more comprehensive annual limit plan which is calculated in total annual limit but not sub-limit, offering 100% compensation and minimizing staff’s financial burden and stress even during hospitalisation.

Insurance & Health Management App - Improving employee experience 

Selecting the most suitable group medical insurance is in essence the key to create a positive employee experience. A seamless user journey minimises the potential hassles for employees, which helps maintain their work productivity and therefore contributes to business success. Technology plays an important role to ensure a seamless insurance journey. Employees are most delighted with simplified processes of network doctor search and claim applications.

blüüm mobile app supports healthcare services at any time, anywhere. In the app, employees can check symptoms from the couch, with a 24/7 virtual health assistant to give you pre-diagnosis on early symptoms in advance. Meanwhile, recommendations from over 2500 network doctors are available for booking via the app. With the e-medical card inside the app, employees can easily access and present the card at the clinic. The overall process goes digital, which reduces employees’ time cost and stress in seeking medical support. 

HR Administrative Portal


HR Administrative Portal - Streamlining the entire human resources process

The department of human resources (HR) is known as one of the busiest departments. Everyday, the department handles numbers of tedious task eg. staff training, recruitment, payroll system as well as the management of group medical insurance. Thus, it is important to minimise the administrative tasks of group medical insurance, in order to enhance the efficiency and productivity of HR managers. 

blüüm team group medical insurance enables seamless and paperless admin with 100% digital workflow. HR managers can track the company’s group policy activities and employees’ medical insurance at a single glance from the personalised dashboard, onboard new employees to policy in just a few clicks and manage employees’ activities ubiquitously.  

Learn more about employment benefits and group medical insurance for your team here, or feel free to WhatsApp us at +852 5379 8911 or email us at info@bluum.hk.

employee benefits
Aug 9, 2021
blüüm
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