This is the group scheme’s limitation that most deserves saying out loud – and exactly why it merits article-depth clarity, because a vague answer here damages trust the most.
The main rule
Group cover is tied to employment: the leaver’s insured status ends at the contractual point – typically the end of the exit month. The company flags the change in the next roster report; the premium correction settles the financial side (the routine).
What the leaver should know
- Care used until termination is covered – closing an ongoing diagnostic journey can meaningfully be organised in the remaining time.
- Reimbursement submission deadlines survive termination as per the contract – do not run them down.
- Some insurers may offer individual continuation (without the group discount, at individual premiums and terms) – contract-dependent, worth asking in advance.
From HR’s side: the offboarding sentence
One sentence in the exit conversation suffices, but it must be there: „your cover runs until [date] – if you have a pending examination or an invoice to submit, handle it by then". The gesture costs nothing, and it is precisely leavers who carry the company’s reputation onward.
And why this is not a „flaw" of the construction
Employment-linkage is the other side of the same coin that enables entry without underwriting at favourable prices. Whoever wants long-term, portable individual protection needs individual health insurance – the relationship between the two is covered in our comparison article.
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