Free planning tools

Insurance Tools & Checklists for Employers

Useful tools should help you ask better questions, not pretend that one formula can price every workforce. These free resources prepare an employer brief before a tailored quote or renewal discussion.

ClearCover does not publish unverified premium figures. Insurer terms and pricing depend on underwriting, policy design and the final employee data supplied.

5-minute tool

Group health requirements assessment

Create a structured requirements summary covering team size, cover preferences, renewal timing and priorities.

Open resource

Checklist

Policy renewal checklist

Use twelve practical checks before renewing, changing or comparing a group medical policy.

Open resource

Compliance tool

POSH compliance health check

Run the existing 25-question readiness self-assessment for Indian employers.

Open resource

Claims

Claims preparation guide

Prepare the information and documents that may be needed before contacting the insurer or claims team.

Open resource

What these tools do

They turn a broad request such as “we need group insurance” into a useful brief. This helps HR and finance teams compare cover design, exclusions, service expectations and renewal readiness.

  • Give every tool a usable result without a contact gate.
  • Use a tailored quote only after requirements are known.
  • Keep estimates and recommendations clearly separate from insurer policy terms.

Next tools to add after data approval

A premium estimator, employee-benefits benchmark and policy grader can be useful only when ClearCover has an approved methodology, current data and appropriate compliance review.

  • Group-health estimate by approved underwriting inputs.
  • Benefits benchmark based on documented, anonymised market data.
  • Policy scorecard based on clearly published criteria.

Frequently asked questions

Frequently asked questions

Is there a group health insurance premium calculator?

This tools hub currently provides a requirements assessment rather than an unverified premium calculator. ClearCover can provide a tailored quote after reviewing the workforce and cover requirements.

Can an employer use the renewal checklist without being a ClearCover client?

Yes. The checklist is intended to help any employer prepare for an informed group-insurance renewal discussion.

Do tools replace an insurance advisor or policy wording?

No. Tools are decision aids. Actual cover, exclusions, premium and claims conditions are determined by the insurer’s policy wording and underwriting process.

Need a tailored insurance recommendation?

Share your organisation’s requirements with ClearCover for a policy discussion based on the cover you need.