Group Health Insurance

Provide coverage to people who matter to your organization.

Companies care about their employees and what proves it strongly is when they insure the life of the employees as well as their family members with health insurance plans. Group Health Insurance, also known as Corporate Health Insurance or Employee Health Insurance provides dual benefits to both the employee and employer.

What is Group Health Insurance Policy?

  • Group health insurance is a popular health insurance policy that covers corporate employees or a group of members of an organization by providing financial assistance in case of medical necessities, hospitalization, maternity emergencies, critical illness expenses and COVID treatment.
  • Not only for the employees or members of your organization, this health insurance coverage could be made available for their family members too. Low premium rate and tax benefits are two fundamental features of this policy which distinctively motivate the employers to continue the policy.

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Advantages of Group Health Insurance Policies

  • The primary advantage of buying a group health insurance policy for employees is that it leads to a better relationship and a lifelong credibility between the employers and the employees. Protecting your employees’ future with financial support shows that as a leader how you care about your team members’ health and wealth.
  • The group health insurance policy serves different advantages to both the buyers (employers) and insured (employees).


Advantages For Employers

Helps in Employee Retention

Tax Benefits

Motivated Employees

Better Benefits in Low Cost

Advantages For Employees

Pre Existing Disease is Covered From Day 1

An Extensive Range of Coverage With No Limit on Disease

Larger Maternity Coverage

Features of Group Health Insurance Plans

The plan has all the common features of a typical health insurance plan with added benefits especially for the employers and employees.

  • Covers companies of all shapes and sizes
  • Offers wide coverage to the insured and even their family members such as spouse, children or parents
  • Affordable premiums for all types of plans
  • A huge range of cashless hospitals in network
  • Hassle-free buying process for employers
  • Hassle-free buying process for employers
  • Easy claiming process for employees
  • Tax benefits are provided to the employers

The Group or Corporate Health Insurance Plan Includes

    Standard Fire and Special Perils Policy: This type of home insurance provides safety against fire mishaps and some of the special factors like
  • Accidental hospitalization
  • Critical illness treatment expenses
  • COVID-19 hospitalization
  • Pre-existing illness cover
  • Maternity benefits with the newborn baby cover
  • Daycare expenses
  • Pre and post hospitalization
  • Fees charged by doctors, nurses, surgeons, etc.
  • Costs of medicines, blood, OT, oxygen, PPE kit, X-ray, radiotherapy, chemotherapy, anesthesia and more medical expenses.

The Group or Corporate Health Insurance Plan Excludes

  • Congenital diseases
  • Non-allopathic treatment expenses
  • Illness caused due to war or terrorism
  • Critical illness due to smoking or drinking
  • If the person leaves the organization, he/she’ll not be able to utilise the policy.

Group Health Insurance plan for three types of organizations

As per your company or organization size, budget and employee strength, you can opt for the most suited Group Health Insurance plan and give your employees and team members financial security for the future.

Small Organizations or Young Startup Companies

cover an average of 15-20 members or employees

Medium Organizations or Growing Startup Companies

cover an average of 50-100 members or employees

Large Organizations or Developed Startup Companies

cover an average of upto 1000 members or employees

How to Claim for Group Health Insurance

    Here are a few steps to assist you about the claim filing process that majority insurance companies follow.
  • Contact your insurance provider by their customer care toll-free number to know the details.
  • After carefully listening to the procedure, download the claim form. The form will be available on the insurance company’s website or the representative might send to you.
  • Duly fill and sign the form and attach the necessary documents.
  • Drop the form to the respective insurance company’s portal online or offline.
  • In case of a cashless hospitalization claim, choose a network hospital as per your convenience and display the e-health card.
  • If you want to opt for a hospital not part of the insurance provider’s network, select Reimbursement by submitting required documents such as medical bills, test reports, etc.