Workers Mandatory Health Insurance
The government of India has made it mandatory for employers to provide health insurance cover to the employees if they continue operating post 2020 coronavirus lockdown in the country. Prior to this also many employers were providing coverage to their employees under group health insurance but it was not compulsory until now.
According to IRDAI, “All industrial and commercial establishments, workplaces, offices etc. shall put in place arrangements for the implementation of Standard Operating Procedure (SOP) before starting their functioning. SOP for social distancing for offices, workplace, factories and establishments, medical insurance for the workers to be made mandatory, as per the circular.”
The insurers are advised to comply with the government’s directions by offering comprehensive health insurance plans to individuals or groups in the organisations mentioned above. The regulatory authority IRDAI has also advised the insurance companies to offer these comprehensive health insurance plans at affordable premiums and in simple policy wordings.
The government extended the lockdown across the country until 3 May 2020 for containment of the novel coronavirus or COVID-19. After which, the employers shall provide medical insurance to their employees for not only until the epidemic lasts, but for all the time.