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In India, more voluntary programmes are being built into group insurance schemes, leading to employees exercising the option to take on additional cover as per their requirements. In this survey across 382 organizations in India as part of Marsh’s 8th Annual Employee Health and Benefits Study, around 18% offer some sort of employee choice through voluntary and top-up plans. With high medical inflation and more employees using health covers, insurance premiums are going up. As costs escalate, it’s essential for organizations to ensure they have long-term and sustainable benefits strategies.

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