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Advantages of Group Health Insurance
Better Benefits

Our group health insurance plan offers pre-existing diseases and maternity from day 1. Medical checkups are not needed, waiting periods are waived, and exclusive benefits like corporate floater offered.

Lower Cost

Affordable group health insurance cover for employees and their families. Costs are much lower than health insurance bought individually because we negotiate bulk discounts with insurers. That's why we cover over 5000 clients.

Customised Cover

We can customize employee health insurance policy to your budget and requirements. For example, parents, spouse or upto 3 children can be included. Maternity cover or OPD benefits can be introduced.


Guaranteed Issue

All employees and their dependents are assured cover, even if they have medical conditions such as diabetes, blood pressure under our group insurance plan. No medical test or prior claim history is asked for.

Benefits of Group Health Insurance

Pre-existing Diseases Covered From Day 1

  • Our employee mediclaim insurance covers pre-existing diseases immediately. This is a major differentiator because standard family floater insurances have a waiting period of 2 to 4 years
  • No medical check-ups are required to determine an individual's coverage eligibility
  • Cover available even to members with chronic ailments such as diabetes or hypertension.

High Maternity Benefits for Normal and C-Sec

  • Maternity benefits are particularly valued by young employees. To attract talent, firms in service sectors such as IT, E-Commerce or outsourcing offer high cover for pregnancy and delivery related expenses
  • Separate limits can be set for normal, caesarean sections or ectopic pregnancies
  • New born babies can be covered immediately without the standard 90 day waiting period.

Wider Coverage with No Disease Limits

  • The standard waiting period of 1 to 4 years for diseases such as cataract, hernia, piles, joint replacements, and cyst removals can be removed. All surgeries can be covered immediately after the premium is paid
  • Standard medical exclusions such as for internal congenital diseases can be removed
  • Sub-limits and copay on specific diseases can be removed to allow full indemnity.
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FAQs

In general, group health insurance covers complete hospitalisation expenses such as room charges, doctor & nursing fees, medical equipments & appliances cost, medicine cost for employees and their dependents. Policy can also be customized to add maternity benefits, corporate buffer, higher room-rent limits, wiaver of waiting periods on various diseases, baby day 1 cover, Out-patient expenses (OPD), etc as well.
Hospitalisation costs are based on the type of room availed. Same surgery or treatment costs more if you avail a single AC Room as compared to a twin sharing room. If your policy has a room rent capping, your hospitalization expenses will be settled as per proportion to the actual room rent eligibility. While buying group mediclaim insurance, an employer can also customise the room rent limits based on the requirements.
Individual health policies offers maternity benefit have a waiting period of 3-4 years. In health insurance the waiting period means the insured should be at least be enrolled in the policy for certain period mention in the policy. Under group mediclaim insurance this condition of waiting period can be waived off. This would mean that, the insured can claim the maternity benefit from Day 1 itself.
A pre-existing disease is an ailment present before the inception of the insurance policy. For instance, many of the cardiovascular diseases or diabetes is classified under pre-existing diseases. Basically, any condition, ailment, or injury for which you had signs or symptoms, or were diagnosed, and received medical treatment, within specified period before taking insurance policy.
A copay is the share of claim that is to be borne by the insured as per the % limit mentioned in the policy copy. Standard copay ranges from 10 to 20%. Policies with copay ought to have lower premiums as insured pays a part of the claim from his pocket which results in less utilisation of the sum insured. Several corporates have a copay for claims related to parents to manage costs.

Insuropedia

What are the advantages of a Group Health Insurance?

A group health insurance offers coverage to a group of people, as members of a society or employees of a company. The organization can either self-design a plan or choose a pre-planned insurance policy from the insurer.

The policy is beneficial for both employees and employers. Let’s have a look at the benefits:

What is covered Under Group Health Insurance?

Group health insurance offers many benefits to employees, or its members, covered under the policy. Complete hospitalisation expenses incurred by an employee on self and dependents like spouse, family, and parents, are covered under a group health insurance.

Group health insurance policy is provided to incentivise employees.

What are features available for group health insurance for employees?

Medical and hospitalization expenses of the employees are covered by the group health insurance policy. Employees are the most valuable assets of a company and employers try their best to secure employee satisfaction in the form of various facilities.

Group health insurance is one of the facilities provided by the employer

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