{"id":1766,"date":"2021-12-09T13:15:06","date_gmt":"2021-12-09T07:45:06","guid":{"rendered":"https:\/\/www.plancover.com\/insurance\/?p=1766"},"modified":"2022-03-09T12:04:01","modified_gmt":"2022-03-09T06:34:01","slug":"which-startups-are-not-eligible-for-group-health-insurance","status":"publish","type":"post","link":"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/","title":{"rendered":"What types of groups are eligible for group insurance?"},"content":{"rendered":"\n<p>Group health insurance plans are policies that an employer of an organization offers to their employees. The employer pays the premium so that the employees and their respective family members can enjoy the policy coverage. The various plans of group health insurances have diverse coverage rules influencing the overall premium charges. As a startup or a business, you can offer this service benefit to your employees. But not every organization is eligible for buying the policy.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69db584e7021a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69db584e7021a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#An_overview_of_group_health_insurance\" title=\"An overview of group health insurance\">An overview of group health insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Can_all_startups_buy_the_policies\" title=\"Can all startups buy the policies?\">Can all startups buy the policies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Eligibility_norms_for_buying_the_policy\" title=\"Eligibility norms for buying the policy\">Eligibility norms for buying the policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Defining_the_%E2%80%9CGroup%E2%80%9D\" title=\"Defining the \u201cGroup\u201d\">Defining the \u201cGroup\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#What_types_of_groups_are_eligible_for_group_insurance\" title=\"What types of groups are eligible for group insurance?\">What types of groups are eligible for group insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Group_dynamics_%E2%80%93_Does_your_startup_fall_under_the_exception_rules\" title=\"Group dynamics&nbsp;\u2013 Does your startup fall under the exception rules?\">Group dynamics&nbsp;\u2013 Does your startup fall under the exception rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#The_minimum_employee_strength\" title=\"The minimum employee strength\">The minimum employee strength<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#The_right_intent_of_the_group\" title=\"The right intent of the group\">The right intent of the group<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#What_about_solo_entrepreneurs\" title=\"What about solo entrepreneurs?\">What about solo entrepreneurs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Family_business_startup_and_group_policy_eligibility\" title=\"Family business startup and group policy eligibility\">Family business startup and group policy eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#What_if_the_employee_strength_reduces_after_buying\" title=\"What if the employee strength reduces after buying?\">What if the employee strength reduces after buying?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Few_points_to_remember_for_startups\" title=\"Few points to remember for startups&nbsp;\">Few points to remember for startups&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#Things_to_consider_for_startups_while_buying_group_policies\" title=\"Things to consider for startups while buying group policies\">Things to consider for startups while buying group policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.plancover.com\/insurance\/which-startups-are-not-eligible-for-group-health-insurance\/#PlanCover_%E2%80%93_Helping_startups_to_find_the_best\" title=\"PlanCover \u2013 Helping startups to find the best\">PlanCover \u2013 Helping startups to find the best<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"an-overview-of-group-health-insurance\"><span class=\"ez-toc-section\" id=\"An_overview_of_group_health_insurance\"><\/span>An overview of group health insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As an employer, your organization or startup should meet the eligibility terms for buying the group health policies. You may or may not include the family members under the health plan coverage through the group policy. The Mediclaim benefits are valid till the service period of the employees as long as you continue to pay the premium amounts. For buying the group policies, you can either connect to the sales representative of the insurance company or find an insurance broker.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-all-startups-buy-the-policies\"><span class=\"ez-toc-section\" id=\"Can_all_startups_buy_the_policies\"><\/span>Can all startups buy the policies?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you have a legally registered startup or business and satisfy the eligibility norms set by IRDAI, you can buy the group policy. IRDAI (Insurance Regulatory and Development Authority of India) is the legal statutory body that sets the regulations for insurances in India. Thus, any startup has to check the terms and rules as stated by IRDAI to offer the group health benefits to the employees.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-norms-for-buying-the-policy\"><span class=\"ez-toc-section\" id=\"Eligibility_norms_for_buying_the_policy\"><\/span>Eligibility norms for buying the policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>By going through the following eligibility aspects, you can understand whether your startup enterprise can offer group health policies to the employees. Read along to know more &#8211;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"defining-the-group\"><span class=\"ez-toc-section\" id=\"Defining_the_%E2%80%9CGroup%E2%80%9D\"><\/span>Defining the \u201cGroup\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As you can see by the term \u201cgroup insurance policy\u201d, the benefits are enjoyed by the people who belong to a group. The group has to sustain a few regulations for qualifying for policy approval. According to IRDAI, the group comprises an employer-employee combination or a non-employer and employee combination. In a non-employer and employee group, both parties must share a common interest. The different groups may include club members, co-operative society associates, professional groups, startup organizations, etc.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-types-of-groups-are-eligible-for-group-insurance\"><span class=\"ez-toc-section\" id=\"What_types_of_groups_are_eligible_for_group_insurance\"><\/span>What types of groups are eligible for group insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There can be two categories of groups that can qualify for the group health insurance plan. They are \u2013&nbsp;<\/p>\n\n\n\n<ul><li><strong>Formal group<\/strong> \u2013 The formal groups are employer-employee groups. All professional organizations, companies, businesses, and startups fall under this category. Here all the employees work under one employer, who buys the policy for them. If you own a startup, then it would be considered as a formal group while applying for the employer health policy.&nbsp;<\/li><\/ul>\n\n\n\n<ul><li><strong>Informal group<\/strong> \u2013 Informal groups are the category where the employees do not work for the employer. A startup can not fall under this category as multiple employees are working under an organization. The different informal groups are \u2013 societies, cultural associations, etc. Even though they do not have an employer-employee relation, they can qualify for the group policy.\u00a0<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-1024x1024.png\" alt=\"\" class=\"wp-image-2508\" srcset=\"https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-1024x1024.png 1024w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-300x300.png 300w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-150x150.png 150w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-768x768.png 768w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-100x100.png 100w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-140x140.png 140w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-500x500.png 500w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-350x350.png 350w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-1000x1000.png 1000w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance-800x800.png 800w, https:\/\/www.plancover.com\/insurance\/wp-content\/uploads\/2022\/03\/Examples-of-types-of-groups-eligible-under-Group-Health-Insurance.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"group-dynamics-does-your-startup-fall-under-the-exception-rules\"><span class=\"ez-toc-section\" id=\"Group_dynamics_%E2%80%93_Does_your_startup_fall_under_the_exception_rules\"><\/span>Group dynamics&nbsp;\u2013 Does your startup fall under the exception rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For satisfying the eligibility norms, your organization has to have a minimum number of full-time employees. However, some provisions allow a startup or organization to buy the policy even if the number of employees is less than seven. There needs to be a specific group dynamic in the organization for qualifying this norm. If the complete workforce of the startup consists of contractual or part-time workers, then they can get approval for group health policy.&nbsp;<\/p>\n\n\n\n<p>The other provision is for the startups or companies having most employees over the age of 65. Usually, the group policies have an upper entry-age limit of 65, above which the members cannot fall under the plan coverage. But if the majority of the employees are over 65 in your startup or business, then you can apply for group health policy through the specific group dynamics provision.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-minimum-employee-strength\"><span class=\"ez-toc-section\" id=\"The_minimum_employee_strength\"><\/span>The minimum employee strength<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Startup founders who are yet to establish a bigger enterprise can also qualify for the group health policies. If the company has seven or more full-time employees, then the employer can buy the policy for them.&nbsp;<\/p>\n\n\n\n<p>As per IRDAI, the minimum employee strength in a business or organization should be at least twenty to get the policies. But, under certain provisions for small to midsize companies, the least number of employees can be as low as seven. However, the insurance company you pick has a significant role to play. The minimum number of employee criteria varies with the different insurance company rules and regulations. So, as a startup founder or employer, you have to talk to the insurance representative to understand if you can buy their policy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-right-intent-of-the-group\"><span class=\"ez-toc-section\" id=\"The_right_intent_of_the_group\"><\/span>The right intent of the group<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The intention of buying the group health insurance needs to be right. As per IRDAI, if the non-employer negotiates the price with the insurer before creating the group, then they cannot qualify for a group policy. In such cases, it gets considered as a non-legitimate group. Every member of the group should share a common interest or engage in economic or revenue-earning activity. It is a necessary criterion for getting the group policy approval.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-about-solo-entrepreneurs\"><span class=\"ez-toc-section\" id=\"What_about_solo_entrepreneurs\"><\/span>What about solo entrepreneurs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Solo entrepreneurs who do not have any full-time or part-time employees working under the name of the organization cannot opt for such policies. You have to own an enterprise or establish a startup with at least seven full-time employees to get the policy benefits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"family-business-startup-and-group-policy-eligibility\"><span class=\"ez-toc-section\" id=\"Family_business_startup_and_group_policy_eligibility\"><\/span>Family business startup and group policy eligibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Startups can also be family businesses where the employees are related by blood. If your startup is such an example then you have to ensure that the group dynamics in the company complies with the IRDAI norms. If all the employees in the organization belong to a family, then the spouse of the employer will not qualify for the group policy benefits. However, if there are non-family members among the employee list then everyone in the group can get the group insurance coverage.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-if-the-employee-strength-reduces-after-buying\"><span class=\"ez-toc-section\" id=\"What_if_the_employee_strength_reduces_after_buying\"><\/span>What if the employee strength reduces after buying?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Startups face a lot of uncertainty during the initial years of business. Even if you have bought the group health insurance plan for your employees, they may leave the job at any time point. Will your organization still qualify for the plan coverage?&nbsp;<\/p>\n\n\n\n<p>As per IDRAI, the employee strength rule only applies when you are issuing the policy. After you have bought the group health plan there are no such restrictions. Even if all the employees leave the job, it will not create any trouble with the policy coverage or continuation. But you have to ensure that before the next renewal date, the company should again own at least seven or more employees to get the annual policy approval and continue to enjoy the plan coverage benefits.&nbsp;<\/p>\n\n\n\n<p>Thus, as a growing startup, it is better to maintain the minimum employee strength throughout the year so that there are no chances of discontinuation or disqualification during policy renewal.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"few-points-to-remember-for-startups\"><span class=\"ez-toc-section\" id=\"Few_points_to_remember_for_startups\"><\/span>Few points to remember for startups&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When a startup founder wants to participate in a group health care policy, then they need to know about a few things. Startup founders who qualify the eligibility norms, often ignore the following essential aspects that may lead them in trouble in the future.<\/p>\n\n\n\n<ul><li>There will be only one master policy for the insurance. The policy gets issued under the name of the manager of the group and the name of the association, which is in this case, the startup.<\/li><li>If it is a non-employer and employee group, then you will get a certificate that contains the following information \u2013 schedule of benefits, premium amount, and terms related to the coverage.<\/li><li>The plan coverage will get canceled when the head of the group leaves. The group manager should disclose the premium and other expenses to the members present in the association.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-consider-for-startups-while-buying-group-policies\"><span class=\"ez-toc-section\" id=\"Things_to_consider_for_startups_while_buying_group_policies\"><\/span>Things to consider for startups while buying group policies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your startup qualifies the above-mentioned criteria, then you start searching for an insurance plan to offer plan benefits to your employees. The group insurance acts as a service benefit to the employees and they grow loyal to the company. Especially for startups who are establishing their grounds, the group policies are of great help in retaining the employees. You can offer similar plan benefits to your employees and their families by purchasing the right plan for them. But what features should you consider while buying the policy so that there is a mutual benefit? Check for the following five points to identify the best group policy for a startup.&nbsp;<\/p>\n\n\n\n<ol><li><strong>Plan coverage<\/strong>: Check if the plan offers a comprehensive medical package to the employees and their family members to ensure optimal insurance utility.<\/li><\/ol>\n\n\n\n<ol start=\"2\"><li><strong>Tax benefits<\/strong>: When a startup owner buys the group insurance policy for the employees, they get a tax deduction for the premium payment. Thus, check the insurance company norms and rules that may help you avail of the tax benefits while filing the income tax.&nbsp;<\/li><\/ol>\n\n\n\n<ol start=\"3\"><li><strong>Affordability<\/strong>: Get a clear idea by comparing the prices of the leading insurance plans. You can either consult with the sales representatives of the insurance companies or find an insurance seller to help you out. Go for a premium package that you can afford to pay for the long term so that employees can enjoy the benefits.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"plancover-helping-startups-to-find-the-best\"><span class=\"ez-toc-section\" id=\"PlanCover_%E2%80%93_Helping_startups_to_find_the_best\"><\/span>PlanCover \u2013 Helping startups to find the best<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Finding all the essential information about eligibility and plan coverage may be tedious on your part.&nbsp;<a href=\"https:\/\/www.plancover.com\/\">PlanCover<\/a>&nbsp;has got it covered for you. They have been providing group health insurance plans to small and mid-sized businesses and startups with employee strength between 7 to 450. They have the policies from all the leading insurance companies in India to help you check the best plan offerings. Consult their representatives to provide you with authentic information on specific eligibility rules that may be relevant for your startup. Connect to them and get started.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Group health insurance plans are policies that an employer of an organization offers to their employees. The employer pays the premium so that the employees and their respective family members&#8230;<\/p>\n","protected":false},"author":2,"featured_media":2507,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"","footnotes":""},"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/1766"}],"collection":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/comments?post=1766"}],"version-history":[{"count":4,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/1766\/revisions"}],"predecessor-version":[{"id":2511,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/1766\/revisions\/2511"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/media\/2507"}],"wp:attachment":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/media?parent=1766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/categories?post=1766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/tags?post=1766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}