Long term health insurance provides medical coverage for a policy period of two to three years, unlike regular one-year plans. It ensures continuous protection without annual renewals, helping employers and HR teams maintain seamless employee coverage while saving on administrative effort and premium fluctuations.
For organizations, opting for long term medical insurance means predictable health benefits, consistent coverage, and simplified renewals—essential for sustainable employee well-being.
When comparing long-term vs short-term health insurance plans, the difference lies in duration, pricing, and convenience.
Long-term Plans | Short-term Plans |
Long-term plans offer stability, lower renewal frequency, and continuous coverage. | Short-term plans are flexible but require yearly renewals and may lead to higher cumulative premiums. |
For businesses, long-term coverage ensures peace of mind for both HR and employees—creating an uninterrupted health safety net.
Top employee group plans in India include those from Edify’s trusted insurer network, offering comprehensive benefits such as:
Edify helps organizations compare and design the best long-term health plans for employees in India, combining affordability with superior care.
One major advantage of long term medical insurance is the progressive reduction of waiting periods for pre-existing diseases. With continuous coverage over multiple years, employees gain faster eligibility for treatment of existing medical conditions—something short-term plans may delay.
Filing a claim under your long-term health insurance policy is simple:
Edify assists employees and HR teams with end-to-end claim support, ensuring quick, transparent resolutions.
With Edify’s expertise in employee benefit planning, you get:
Choose Edify’s Long Term Health Insurance solutions—because lasting protection builds lasting trust.
