Скинути 
Eng
Українська
Русский
What's Corporate Health Insurance For?
Corporate health insurance is usually seen as one component of the benefits package an employer offers its staff. The upside for employees is clear — they can save significantly on medical care, since those services are covered by the policy. Coverage terms for employees can vary in scope, monetary limits, and deductibles, but health insurance typically covers all basic types of care:
- Emergency medical care
- Emergency inpatient care
- Outpatient/clinic care at a clinic
- Outpatient care at the office or at home
- Diagnostics
- Health checkups
- Medications
- Coverage for injuries and other accidents
Beyond simply covering medical costs, health insurance is also just very convenient. Treating yourself on your own means finding a clinic, booking an appointment, and handling everything with the clinic yourself. This often takes a lot of time and energy — first calling friends for a doctor recommendation, then calling the clinic, only to find the doctor isn't available at a convenient time or is on vacation, and starting the whole process over.
With health insurance, the insurer handles all the logistics of arranging care. For example, Arsenal Insurance clients simply open the Arsenal IC mobile app, enter their symptoms, pick a clinic on the map, and choose a preferred visit time. The insurer takes it from there — arranging the appointment with the clinic, and if the doctor can't see the patient at the preferred time, finding and offering an alternative.
Besides booking appointments, Arsenal Insurance clients get access to other convenient features in the mobile app:
- AI-based symptom checking
- A map of all partner medical facilities
- Full treatment history stored digitally, no paperwork needed
- Managing children's insurance
- Booking online consultations
- Filing a reimbursement claim (if the client already visited a doctor and paid for the visit themselves)
Arsenal Insurance offers its clients a full health insurance experience right on their smartphone. Today, every service should be accessible from a phone — insurance included.
So the benefits for insured employees are clear. But does corporate health insurance actually benefit the employer too? The answer is yes. Corporate health insurance is an absolute win-win for both employees and business owners.
The key benefits for business are employee loyalty, a stronger HR brand, and higher team productivity.
Let's look at each of these in more detail.
1) Employee loyalty
Everyone likes being treated well. When someone shows care for a person, that person wants to reciprocate. Employer-provided health insurance is a way of showing care for employees. When you go to work feeling like your company cares about you, you're motivated to work harder and better. Corporate health insurance builds a positive attitude among employees toward company management, strengthens trust across the business, and creates a positive team atmosphere. All of this leads to better company performance, since employees feel more motivated to work hard for its benefit.
2) A stronger HR brand
As mentioned, corporate health insurance is part of the benefits package employers offer employees. When choosing a job, people weigh many factors: salary, role and responsibilities, career growth potential, company reputation, office location, and the benefits package. Having corporate health insurance is a major advantage for employers competing for top talent. This is especially relevant in Ukraine right now, where a labor shortage forces companies to compete hard for the most qualified candidates. As a result, employees often have multiple offers to choose from — and naturally pick the most attractive one. If a candidate is weighing offers from two companies and only one offers health insurance, the odds of choosing that company rise significantly. So having corporate health insurance makes a company more attractive in the labor market.
3) Higher team productivity
People with health insurance get treated faster and more effectively than those without it. They don't put off treatment when symptoms first appear, since they know the cost will be covered by the insurer. Meanwhile, those without insurance know a doctor's visit is expensive, so they delay it as long as possible and try to self-treat — which can lead to worse complications and longer absences from work. With health insurance, you can book a doctor right when symptoms start, visit a clinic the same day, and get medication delivered to your door. Fast, quality treatment means a faster recovery. As a result, insured employees return to work sooner, business processes are disrupted for less time, and overall team productivity improves.
Corporate health insurance offers businesses plenty of advantages. At Arsenal Insurance, we know what great health insurance looks like, and we invite businesses to try our team health care service.
Arsenal Insurance's corporate health insurance offer is available for teams of 10 or more. Submit an application to insure your team's health at this link.
