Eligible members
The employee groups and eligible dependants included in the programme.
People & wellbeing
Group Medical
Give employees practical access to healthcare through a sustainable programme.
Group Medical addresses eligible inpatient, outpatient and other healthcare expenses under the selected benefit design.
Introduction
What is Group Medical?
Group Medical is commonly considered by employers seeking consistent healthcare benefits for employees and eligible dependants. It can address eligible inpatient, outpatient and other healthcare expenses under the selected benefit design.
What it protects
What can the policy protect?
A Group Medical programme should define who is eligible, which healthcare benefits are available and where employees can access treatment.
Coverage area
The geographic area in which members can access covered treatment.
Medical benefits
Inpatient, outpatient and other selected healthcare benefits.
Provider access
The hospital network, cashless arrangements and claims process available to members.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Hospital admission
An eligible member requires covered inpatient treatment.
Medical treatment
An eligible member requires covered outpatient or other selected medical treatment.
Death during treatment
The programme coordinates any selected benefit that applies when a member dies during treatment.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Independent employee benefits review
Review Group Medical with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.