The Covid-19 pandemic has ruthlessly exposed the limits of our healthcare system. The insurance sector is no exception — hospitalisation rates have grown exponentially, resulting in a similar rise in health insurance claims. The sudden inflation in hospitalisation expenses due to demand for hospital beds far exceeding supply, also resulted in existing insurance coverages proving insufficient to cover costs. And to top it all, insurance companies are responding to a higher cost of claims by raising premiums. All of this has forced companies to take a hard look at their Group Health Insurance policies.