India, Aug. 5 -- Group health insurance costs Indian employers more each year, and part of the reason is that their staff are falling ill earlier than before. This piece explains what is pushing the bill up, and how an employer can keep it in check without taking cover away.

Why Do Employers Pay Rising Health Insurance Premiums?

Employers pay rising corporate health insurance premiums for two reasons: the cost of care climbs every year, and their staff claim more than before. For most companies, the renewal quote now lands higher than the year before, often anywhere from 10% to 35% depending on how much the group claimed.

Employee health used to be a small line in the budget that no one thought about. It has turned into one of the fast...