Customise benefits based on your budget.
Customise benefits based on your budget.
Key Account Manager
Mobile App:Cashless eCard and Reimbursement eClaims
Claim status on app
HR Dashboard
All feature of Bronze
General Physician Video consultation: 2 per employee
wellness webinar: 1 per month
Quarterly premium client engagement call
All feature of Silver
Specialist Video consultation: 2 per employee
Basic health check-up on 9 parameters
Top-up insurance of 10 lacs Sum assured with 5 lacs Deductible for self, spouse, and 2 children (max age:40)
Claims support for personal health insurance plans
All feature of Gold
Specialist Video consultation: 4 per employee
Advanced health check-up on 25 parameters
Top-up insurance of 10 lacs Sum assured with 5 lacs Deductible for Father and Mother (max age:70-for top 10% of employees)
Buy Now Pay Later OPD Upto 10K per employee
Senior Citizen helpline
Key Account Manager
Mobile App:Cashless eCard and Reimbursement eClaims
Claim status on app
HR Dashboard
All feature of Bronze
General Physician Video consultation: 2 per employee
wellness webinar: 1 per month
Quarterly premium client engagement call
All feature of Silver
Specialist Video consultation: 2 per employee
Basic health check-up on 9 parameters
Top-up insurance of 10 lacs Sum assured with 5 lacs Deductible for self, spouse, and 2 children (max age:40)
Claims support for personal health insurance plans
All feature of Gold
Specialist Video consultation: 4 per employee
Advanced health check-up on 25 parameters
Top-up insurance of 10 lacs Sum assured with 5 lacs Deductible for Father and Mother (max age:70-for top 10% of employees)
Buy Now Pay Later OPD Upto 10K per employee
Senior Citizen helpline
A group health insurance policy is essentially a mediclaim policy taken by an organization for its employees. A group medical insurance provides coverage to the whole group under one umbrella plan. Premium is paid by the organization. Organization can cover the employee and their direct dependents including spouse,children and parents. Such a plan can be customized depending upon the budget and requirements of the client.
Group health insurance scheme are offered as healthcare benefits to employees. A basic plan is selected for all the employees while members can choose to add dependents based on their requirement and policy conditions. A group health insurance acts in a distributed manner, wherein a larger group pays towards bearing health issues for the less fortunate ones. So, the premiums become less as overall risk taken by the insurance company is spread across the group, this reduces the scale of insurer’s liabilities.
Group health insurance plans generally cover the employee, their spouse and children. Some group health policies also allow addition of dependent parents.These health insurance policies provide cover for pre-existing ailments, maternity, day-care charges and even ambulance charges in some cases. Medical insurances for employees generally offer a cashless hospitalization at network hospitals. Some health insurances also provide reimbursements and covers for pre and post-hospitalizations also
The main difference between the two is that in a family floater health insurance coverage, all family members are provided Sum Insured as a unit this basically means that the total sum insured is shared amongst all family members; whereas in a non floater Sum Insured health insurance the sum insured is dedicated to one person only and similarly all individuals get this maximum sum insured for themselves.
Example: If your family’s Sum Insured is 5 Lacs and your family has Self, spouse and 2 kids then in a floater Sum Insured coverage your whole family’s sum insured limit collectively is 5 lacs while in a non floater each individual member of the family will individually have 5 lacs to himself/herself.