Group Medical Coverage

Safeguard your employees from injuries & death at work

A group insurance policy gives you advantages of standardised coverage and very competitive premium rates. You can avail of group insurance policies that a group you belong to takes. Groups – for this purpose - can be employer-employee groups or non employer-employee groups as defined by IRDA’s group insurance guidelines. (Examples are holders of the same credit card, savings bank account holders of a bank or members of the same social or cultural association and so on.)

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Here are some things to be careful about when you participate in a group policy :

  • Only one master policy will be issued to the Manager of the group and will be in the name of the group (eg: the association)

  • You are entitled to get a certificate of insurance if you participate in a non employer-employee group policy for your records.

  • This certificate should contain

    • the schedule of benefits
    • premium charged and
    • terms and conditions of the cover

However, the price for the same is comparatively a lot lesser as compared to individual health insurance plans and also benefits employers in tax reductions, therefore making it beneficial for both the employer and employee.

However, the price for the same is comparatively a lot lesser as compared to individual health insurance plans and also benefits employers in tax reductions, therefore making it beneficial for both the employer and employee.

Here are a few simple steps that you are required to perform before you reach a list of lucrative medical insurance schemes that suit your preferences the best.

  • Step 1: Choose or feed in the city name that you reside in

  • Step 2: Input the number of adults and children that you wish to cover

  • Step 3: Input the age of the oldest member who you wish to insure

What risks does your policy cover?

Pre-Existing Disease is Covered from Day 1
An Extensive Range of Coverage with No Limit on Diseases
Maternity cover is provided in all the group health insurance plans; however, some have a waiting period of 9 months whereas some do not.
The infant is covered from the day of his/her delivery.
Some plans also cover ambulance charges.
Pre and post-hospitalization expenses covered.
Domiciliary and daycare expenses covered.
Fees of a medical practitioner and specialists covered.
Room rent and nursing charges covered.
Anesthesia, oxygen, blood. Of charges, medicines, drugs and cost of diagnostic such as x-ray, etc. covered.
Medical Coverage

*Above list of coverages & exclusions is indicative in nature. For exact coverages & exclusions please refer policy wordings.

    Group Medical Coverage

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          Why should you provide Corporate Health Insurance as an employer?

          A Corporate health insurance policy is an insurance plan that is designed to protect the groups/working class of the corporate sector from various health risks like chronic diseases, accidents, financial losses, and more. Corporate Health Insurance is also called Group Health Insurance.

          As the private corporate sector is booming in India, more and more companies are moving towards providing corporate health insurance to their employees in order to give them social security and make them feel protected.

          What Are The Benefits Of Corporate Health Insurance Policies?

          • Attracting Good Employees
            A corporate health insurance policy is a great incentive for good employees to consider working at an organization for a longer time.
             
          • Motivation and Performance boost
            A corporate health insurance policy is also a great motivation for employees to feel socially secure and give their best performance towards the organization.
          • Added Health Coverage
            Corporate Health Insurance also allows the employees to choose or to go for an additional family health plan. This provides them with an added health cover.
             
          • Pre-Existing Disease Cover
            Corporate health Insurance Policies allow employers to provide the benefit of covering pre-existing diseases for their employees
             
          • Maternity Coverage
            Some organizations have good maternity health covers to take care of their female workforce and the dependants of the male workforce. This provides an inclusive environment for women and makes the workplace a welcoming environment.
             
          • Job Satisfaction
            A well-protected, socially secure employee, thanks to the corporate health insurance policy, leads to higher job satisfaction rates among the employees and helps reduce the employee attrition rates

          Corporate Health Insurance vs Regular Health Insurance

          • Corporate Health Insurance is different from regular health insurance, it is provided by employers..
             
          • The waiting period that usually exists in regular health insurance is waived off in Corporate Health Insurance.
             
          • Medical examinations are also skipped under corporate health insurance.
             
          • The premium of corporate health insurance per employee is lower than the regular health insurance plans since a large number of people get insured at once.
          • Pre-existing diseases can be covered under corporate group health insurance policy from day 1
          • Maternity benefit can be provided from day 1 under a corporate group health insurance