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The Generational Divide: Creating Benefits Policies That Please Everyone


Changes are taking place around us at a faster pace than expected. Today, we are living in a world that is not only diverse with relation to cultures but is also diverse in terms of people and their generations. Attach this fact to the growing population or greater life expectancy across the world, data shows that multiple generations like the baby boomers, generation X, millennial, generation Y, and Z are thriving together. Because of this, we are creating benefits policies that please everyone.

In terms of workplace standards, the concept of age diversity is getting ready for acceptance. This, in turn, is helping companies do multi-tasking with a diverse set of the workforce. Age diversity is making workplaces more open to learning, knowledge sharing, and approving of inclusiveness and tolerance.

Creating Benefits Policies That Please Everyone- Age diversity and insurance benefits

The concept of age diversity is creating opportunities to connect people of ages for common grounds.

For example, the existence of multiple generations has opened up the wider scope to devise insurance policies that can cover people of various ages. At the same, the introduction of group insurance and other benefit plans is also becoming increasingly easy. After the coronavirus pandemic, companies are looking for ways to provide better health insurance facilities and benefits to the workforce, which can also cover such least expected scenarios. Whether it is a group insurance policy for an age-wise diverse workforce or introduction benefits plans based on experience, companies are required to think from an employee’s perspective.

On the other hand, coming up with an individual or customized plans will result in an unnecessary burden of high premiums in expectation of wider coverage or high returns, for a long time period. Companies are, thus looking for group insurance plans with experience-based benefits plans for covering employees of diverse ages. These experienced-based benefits plans, added with the insurance policy, and are helping employees get additional benefits on health services like dental issues or vision care. Such benefits with the policy are helping the employees bounce back faster for work and also take advantage of services they are paying for, within a short span of premium payments.

What works best for age diverse employees

Better than individual insurance plans, group insurance plans are coming up as a viable solution for companies having large and diverse workforces. On part of the insurance providers, devising highly customized health insurance plans can be complex and disadvantageous for the insurance seeker. Therefore, covering the workforce under group insurance is far more beneficial than any other alternative health plans for business owners.

There are several advantages for covering employees under group insurance plans rather than individual health plans.

  1. Under group insurance, all employees are deemed eligible for insurance working in a company.
  2. In comparison with individual health coverage plans, the requirement for premium payments is considerably lower.
  3. The sum assured can adequately cover all the group members and they can also get benefits like gratuity and loan protection.
  4. Group insurance will also offer access to an extensive network of hospitals to the employees. So choosing a plan that covers the highest number of hospitals works best.
  5. Group insurance also offer benefits like maternity coverage or health benefit for family members.
  6. Some group insurance also covers pre and post-hospitalization costs, making it worthwhile for the employee to pay premiums.


As a business owner and running a large, medium, or even small-sized firm, taking the benefits of group insurance is a vital step towards the balanced growth of the company. And, covering age-diverse employees under the insurance plan will only help the company develop all-inclusive work culture. Additionally, allowing employees to keep health as their priority will not only benefit the business but also increase their trust and loyalty towards the company.

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