Medical insurance from employer!

The employer will not undertake the responsibility to get back the insurance compensation if the insurance company fails to pay the medical bills despite having deducted the medical insurance amount.

You have all the rights to refuse to pay the medical insurance amount and also can object the employer to deduct the same from your salary.

There is no provisions in law that the employer has to deduct the medical insurance amount from each and every employee from his or her salary especially if the employee is not willing to avail this facility. 

In India, employers are not mandated by law to provide health insurance to their employees from their own pocket. However, some employers choose to offer health insurance as part of their employee benefits package, and in such cases, they typically contribute a portion of the premium while employees may also be required to contribute to the premium cost.

Sir,

My problem is , I have requested several times, but they are stating "There is no provision to opt out of the Insurance as it is mandatory coverage for associate."

Now to reply above when I responded with below quoted text

"Even if it is not proving even a little beneficial for employee in turn proving as total wasta for employee ? This directly proves that even if employee expenditure is 1Cr and no 24 hours hospitalization, premium is again total waste.

If it is compulsory then kindly bear the responsibility to benefit the employee else if you can't bear the same, kindly free the employee from this financial torture, I am ready to perform some formality like written affidavit something else or you may suggest some other option available. 

I can't allow anyone to loot myself anyone. It is my hard labored money, and I will only decide about same. Insurance companies are just looting your employees, and either directly or indirectly, you are allowing for the same.

So, request to kindly fetch some workable valid and justified option and allow accordingly."

Reply to this they scheduled the meeting with HR & RM etc etc.

In short it manadatory for associate to pay premium but insurance company can easily escape stating 24 hours clause.

Kindly suggest what to say if:

1. They say to resign ?

2. We have no option for anything like that etc etc.

3. Some unexpected verbal reply.

In all above how and what to say in meeting ?

Regards.

Ankur

You can take it up legally against the employer however this would risk your employent hence you may have to handle it carefully.