Group health insurance covers provided by employers are a great source of comfort for millions of employees. Such schemes typically pick up the hospital bills of employees and their family members. However,their utility value ranks the highest when it comes to the employees' elderly parents or inlaws . Generally, many health insurers dither from extending covers to senior citizens , as the likelihood of individual claims is quite high in this category. Even when they do, many senior citizens find the premiums to be beyond reasonable limits. Little wonder then, that employees treat employers' group health cover as a godsend.

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