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Group Health
Insurance

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Product Advantage

Better Benefits
Group Health insurance provides significantly better benefits than individual health insurance. For example, employees or group members do not require a medical checkup, waiting periods for existing diseases can be waived off, premiums are lower, maternity expenses or corporate floaters can be added to the cover. Group Health Insurance is an excellent tool to attract and retain talent for organisations.
Lower Cost
In group insurance policies, the risk is spread over a large group of individuals and that helps reduce the premium cost due to the economies of scale. However, the premium can be highly variable for group health insurance due to claim ratio and number of employees/members added to or removed from the cover.
Customised Cover
You can customise the policy according to your needs. You can add more benefits apart from the basic policy provisions already available in any mediclaim policy. For example, parents can be covered, day care treatments can be increased, accidental cover rider and maternity benefits can be increased. This flexibility allows the group health insurance to be tailored to your budget with your specific requirements.
Guaranteed Issue
As there is no medical checkup prior to the issuance of the policy and no waiting period clause for pre-existing ailments, the issue of group health insurance is assured. Group mediclaim is administratively much easier to place and you need not spend time in medical checks or in dealing with the aftermath of insurance getting rejected.

Benefits Overview

Pre-existing Diseases Covered

  • Our group insurance waives of the waiting period for pre-existing diseases
  • Each individual is fully covered irrespective of their personal medical history
  • Medical history of an individual has no bearing on their future coverage
  • No medical check-up done for individuals to determine eligibility for coverage
  • Coverage applicable for chronic ailments such as diabetes

Maternity benefits With ZERO Waiting Period

  • Our group health insurance policies cover maternity benefit for employees and their spouse
  • Maternity benefits are covered immediately with no waiting period
  • Avail pre and post natal expenses along with delivery expenses
  • New born baby will also be covered immediately without the standard 90 day waiting period
  • Internal congenital diseases are covered

No disease Wise restrictions

  • All diseases are covered from day one, without standard waiting period of one to four years
  • Common surgeries like Cataract, Hernia, Piles, Knee Replacement are covered from day 1
  • No waiting period on critical ailments
  • Full sum assured available for all diseases
  • No copay on specific ailments




How does Group Health Insurance work?

How to get a quote?

To get the tentative quotation for the Group health insurance of your employees, please follow the below mentioned 5 easy steps:-


  • Step 1: Enter your contact details & click on next.
  • Step 2: Choose Sum Insured and put number of employees to be covered.
  • Step 3: If you want to cover dependents of Employees also, put the number of dependents to be covered.
  • Step 4: If you want to get the quotes for the renewal of your Group Health Insurance Policy, please mention the claim ratio & click on next.
  • Step 5: Compare the multiple quotes provided on the portal.
Documents required to book the policy?

Following documents are needed to avail group health insurance:


  • Duly filled, signed and stamped Proposal Form
  • Complete data of Employees and dependents.
  • Payment details
  • Declaration Form
  • Reports as required by the Insurer
  • Any other Document as required by the insurer
How to file a claim?

Cashless claims are filed directly by the network hospital with the TPA (Third Party Administrator) of the group health insurer or the insurer. They need to submit the following documents for the claim:


At the initial stage:


  • Pre-Authorization Form
  • Investigation Reports
  • ID proof of the patient
  • Health Card of the Patient
  • Doctor’s Note

At the time of Discharge:


  • Discharge summary
  • Final bill with breakup
  • All investigation reports

In the case of reimbursement claims following documents will be needed:


  • Claim Acknowledgment Number
  • Duly Filled and signed Claim Form
  • Original Discharge Card or Discharge Summary
  • Final hospital bill with breakup
  • Investigation Reports
  • Original Copies of Relevant Medical Bills
  • Prescription Details by the Treating Doctor
  • Cancelled cheque of the Employee along with filled ECS form
  • Pre & Post Hospitalization Bills supported with prescription/advice of treating doctor

Why SecureNow

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Cost-effective
Insurance

We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added
Services

We will advice you on risk management best practices.

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See all your contracts renewal information in one place. Place service requests on PAM.

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Mediclaim Rating

A comprehensive, fact-based rating of all the individual health insurance products in the market. This is the benchmark for comparing health insurance.

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PROPOSAL FORMS
CLAIM FORMS
POLICY WORDINGS
NETWORK HOSPITAL LIST

FAQs

In general, the period of coverage for each policy is 1 (one) year.

Yes, hospitalization costs are covered from day 1. A standard waiting period of 30 days is waived in our policy. However claims need to be submitted as per set guidelines.

No, in a Group Medical Policy, medical underwriting is not done for each individual separately; hence there is no need to undergo any medical test.

Reimbursement is not provided beyond the sum insured specified in the Group Health Insurance Policy. You could consider an additional benefit called, Corporate Buffer, which could be utilized by an employee if his or her sum assured gets exhausted.

Yes. Cashless claims service will be available at all network hospitals of the respective insurer. Typically, each insurer has more than 3000 hospitals on their network.

Yes, insurance company reimburses expenses even if the insured member does not use the network hospital. To get your reimbursement, you need to submit your medical bills along with other documents as specified by the insurance company.

Country’s insurance regulator, IRDA in an exposure draft issued on January 19, 2016, specified that the minimum number of persons in the group should be 20 for the purpose of a group health insurance policy. However, micro insurance policies can be issued to a group with as small as 5 members.

Yes, startups can always opt for a group plan which covers both the employees’ and their immediate family members to reach the minimum limits required by the insurer.

Only employer can claim the premium paid for the group insurance policy as a tax deduction., An employee is not entitled to IT exemption under the health cover provided by an employer.

Complete hospitalisation expenses incurred by an employee on self and dependents like spouse, family, and parents, are covered under a group health insurance.

There is no waiting period for group health insurance. Emergency ambulance service, pre, and post hospitalization expense is also included.

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