ImageGroup Health Insurance - Buy Mediclaim Policies for Enhanced Team Wellness.
Comprehensive Group Health Insurance Benefits for Employees
Secure Group Health Insurance Solutions

Group Health Insurance

Premium Starts @ 2000/person

(Excluding Taxes)

*Terms & conditions apply

Premium Starts @ 2000/person excluding Taxes
Benefits
Comprehensive cover
No waiting period & disease-wise limits
No prior health checks
Institutional support during a claim
4 Most Trusted Insurers
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SecureNow Assistance
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assistance2Instant risk confirmation
assistance3Experienced medico-legal panel
assistance4 Single point interface for claims
assistance5Renewal reminders
assistance6 Digital proposal form and payment

Compare quotes in 2 steps

Customise benefits based on your budget.

Group Health Insurance

Compare quotes in 2 steps

Customise benefits based on your budget.

Trusted Benefit Platform

Dashboard

A dashboard for you to view and manage your policies

Reimbursement Via App

Register, submit and track your reimbursement claims.

Centralised Support

Connect with single contact for all support queries

Cashless Via App

Electronic mediclaim cards and insurance reminders

Endorsement Ledger

Real time estimate of CD balance is available
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Dashboard

A dashboard for you to view and manage your policies

Reimbursement Via App

Register, submit and track your reimbursement claims.

Centralised Support

Connect with single contact for all support queries

Cashless Via App

Electronic mediclaim cards and insurance reminders

Endorsement Ledger

Real time estimate of CD balance is available

Top Most Trusted Insurers

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New India
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Book your Insurance in Simple steps

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Finalise the Plan

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Collect Employee Data

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Make Payment Online

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Get Policy

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Get E-Cards

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Make Claims

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Claims Helpline

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Add and Delete Employee

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1) Finalise the Plan

Delight your Employees With Our Add-On Plans

BRONZE

Free

Key Account Manager

Mobile App:Cashless eCard and Reimbursement eClaims

Claim status on app

HR Dashboard

SILVER

Rs. 100/ per employee

All feature of Bronze

General Physician Video consultation: 2 per employee

wellness webinar: 1 per month

Quarterly premium client engagement call

GOLD

Rs. 750/ per employee

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

PLATINUM

Rs. 2500/ per employee

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

BRONZE

Free

Key Account Manager

Mobile App:Cashless eCard and Reimbursement eClaims

Claim status on app

HR Dashboard

SILVER

Rs. 100/ per employee

All feature of Bronze

General Physician Video consultation: 2 per employee

wellness webinar: 1 per month

Quarterly premium client engagement call

GOLD

Rs. 750/ per employee

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

PLATINUM

Rs. 2500/ per employee

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

Testimonials

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Know More

Group Health Insurance Vs Individual Health Insurance

Claim Settlement of Insurance Companies

How Does Cashless Claim Work

How Does Reimbursement Claim Work

How Does Endorsement Process Work

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Know More

Group Health Insurance Vs Individual Health Insurance
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Quick Guide to Group Health Insurance

Group Health Insurance


Group health insurance is a policy that provides medical insurance to a large number of people. These people are typically employees or members of an organization. The policy holder, often the employer or organization, buys the plan and pays the fees. The group members get the policy's advantages.

A group health plan or group mediclaim policy aims to provide affordable healthcare coverage. It serves a broad demographic, ensuring availability for large section of people.

These plans typically offer comprehensive Group Medical Coverage, including preventive care, medical procedures, prescription drugs, and other healthcare services.

Group health insurance for employees may include added perks like wellness programs and health education. It may also grant access to tele-medicine services.

Example Of Group Health Insurance


Many companies offer employer-sponsored health insurance as one example of medical insurance for employees. In this plan, the employer pays some of the premium and the employee pays the rest from their salary.

Employee group health insurance covers various medical services like doctor visits, hospital stays, prescription drugs, and preventive care. Some plans may also include dental and vision coverage.

Professionals or trade associations offer association health insurance to their members, which is another example of group health plan. These plans provide affordable health coverage. They provide group insurance for small business and to self-employed individuals not covered by conventional employer-sponsored plans.

We can tailor group health insurance plans to meet the group's needs. These plans may offer various coverage options and cost-sharing agreements. But these plans may not have the same rules and protections as regular health insurance plans.

How Group Health Insurance Works?


Here are the steps to understand how group health insurance works and how to obtain it.


  • Group Formation : People or organizations form a group to get health insurance coverage.

  • Selection of A Plan : Company selects group mediclaim insurance policy for employees that meets their needs and budget. The group or a designated representative, such as an employer or association, may select the plan.

  • Premium Payments : The employer or organization pays for the group members' health insurance.

  • Risk Pooling : Group members pay premiums to cover the cost of medical claims made by any member of the group. This spreads the risk among more people, lessening the effect of expensive claims on any single person.

  • Coverage Benefits : The health insurance plan encompasses medical services, including doctor visits, hospital stays, medications, and preventive care. The specific benefits and coverage levels may vary depending on the plan selected.

  • Claims Processing : Group members request reimbursement by submitting a claim to the insurance company after receiving medical care. The group insurance company handles the claim, either directly compensating the provider or reimbursing the member for the expenses.

  • Cashless Claim Settlement : In company group medical insurance, insured can access medical treatment without making upfront cash payments. The insurer settles the bill directly with the healthcare provider.
  • Who should consider purchasing a group health insurance plan?


    Insurance companies design group health insurance plans for groups of people who want to obtain health coverage together. Here are some examples of who might consider purchasing a group health insurance plan-


  • Employers :Employers may offer group employee health insurance to their employees as part of their benefits package. Group health insurance policy for employees can help attract and retain talented employees and improve employee satisfaction and productivity.

  • Professional or Trade Associations : Professional associations often provide group health insurance to members as a valuable membership perk. This can help self-employed individuals and small business owners obtain affordable health coverage. Securing group health insurance for small businesses in India is vital.
    Discover how to get health insurance for a small business, providing a comprehensive medical insurance policy for employees. Prioritize the well-being of your workforce with tailored plans that ensure robust medical coverage for employees in India.

  • Community Organizations : Non-profits and community groups offer health insurance to aid member well-being and community health.

  • Religious Organizations : Religious groups can offer health insurance to their members, promoting community well-being and support.

  • Other Groups : Friends or family can collectively purchase group health insurance for shared health coverage and benefits.
  • Why Protect Your Employees' Health with A Group Health Insurance Plan?


    Below given is the curated list of the benefits offered under group medical insurance for employees in India:


  • Attract & Retain Talented Employees : Offering employees a robust health insurance plan can attract and retain skilled personnel.
    Employees prioritize health insurance. They might remain with or accept job offers from companies offering health coverage.

  • Improve Employee Health & Productivity : Providing health insurance coverage can help improve employee health and productivity. When workers can get preventive care and medical treatment, they are more likely to stay healthy and productive at work.

  • Reduce issues of employee absence : When workers are sick, they may need to take time off from work. This can result in a decrease in productivity and an increase in expenses for the employer. Health insurance can lower issues of employee absence, improving productivity and cutting costs for employers.

  • Protect Against Financial Hardship : Medical expenses can be a significant financial burden for employees and their families. By providing health insurance coverage, employers can help protect their employees against financial hardship caused by unexpected medical expenses.

  • Legal Obligation : In certain instances, the law mandates that employers must offer health insurance coverage to their employees. In fact, the ACA says that leading employers must give health insurance to their full-time workers if they have 50 or more.
    The landscape of small business health insurance, especially, can be complex yet crucial for employers. Securing the right group health insurance policy ensures the well-being of employees.
  • Advantages Of Group Health Insurance Plan


    Group health insurance plans offer several advantages to both employers and employees. Below listed are some of the key advantages of this plan-


  • Lower Costs : One of the main advantages of a group health insurance plan is lower costs. When many people join t, they share the risk, and the cost of insurance can be cheaper than buying it individually.

  • Tax Benefits : Employers can deduct group health insurance premiums as a business expense, resulting in tax advantages.

  • Conformity with Legal Requirements : The law may require employers to provide health insurance coverage to their employees. A group health insurance plan can help ensure compliance with legal requirements.
  • What Employers Should Look for When Buying a Group Health Insurance Plan in India?


    When buying a business health insurance in India, employers must consider several factors to select the appropriate plan. Here are some things to look for-


  • Coverage : Employers seek policies with complete coverage: in/out-patient care, pre-existing conditions, and maternity benefits. Group health insurance typically waives health check for any pre-existing conditions.

  • Network Hospitals : Employers should check the list of network hospitals that the insurance provider has tied up with. This helps employees access quality healthcare without incurring out-of-pocket costs.

  • Premiums : Employers should compare premiums from various insurers to select a cost-effective policy. However, they should not compromise on coverage for the sake of lower premiums.

  • Waiting Period : Employers should check the waiting period for pre-existing conditions and maternity benefits. Certain policies have up to 2-year waiting periods for pre-existing conditions, potentially detrimental to employees.

  • Claim Settlement Ratio : Employers should check the claim settlement ratio of the insurance provider. This can help insurers ensure timely and hassle-free settlement of claims.

  • Additional Benefits : Employers should consider policies that include additional benefits like wellness programs and tele-medicine services. Periodic health status via check-ups are also valuable. These can help promote employee wellness and reduce healthcare costs.

  • Customer Service : Employers should check the customer service record of the insurance provider. This can help ensure that employees have access to prompt and efficient service in case of any issues or concerns.
    Because of above mentioned advantages many businesses opt for the comprehensive coverage offered by commercial medical insurance.
  • What does Group Health Insurance cover and not cover?


    Group or business medical insurance in India generally covers various medical expenses incurred by the insured employees. Presented below is a list outlining what group health insurance generally includes and excludes.


    Covered :


  • Hospitalization Expenses : This includes room rent, boarding, nursing, surgeon fees, anesthesia, blood, oxygen, and related expenses.

  • Pre & Post-Hospitalization Expenses : It includes pre and post-hospitalization expenses, encompassing tests, consultations, and medications for comprehensive medical coverage.

  • Daycare Procedures : This includes medical procedures that don't require overnight hospitalization, such as cataract surgery, chemo-therapy, and dialysis.

  • Maternity Expenses : This includes expenses related to childbirth and complications arising during pregnancy.

  • Ambulance Charges : This includes transportation expenses incurred in an ambulance.

  • Pre-existing Conditions : Coverage includes pre-existing conditions, subject to waiting periods and policy agreement terms.

  • Not Covered :


  • Cosmetic Treatments : This includes treatments for improving appearance, such as plastic surgery and hair transplants.

  • Alternative Treatments : Coverage encompasses alternative treatments like Ayurveda, alternative medicine and natural medicine that modern medicine may not recognize.

  • Dental Treatments : This includes treatments for dental problems, unless specifically covered under the policy.

  • Non-Medical Expenses : This covers non-medical expenses like phone, entertainment, and personal charges not tied to treatment.

  • Self-Inflicted Injuries : This includes injuries resulting from deliberate acts of the insured person, such as suicide attempts.

  • War-Related Injuries : This includes injuries resulting from acts of war, terrorism, or rebellion.

  • Coverage and exclusions differ between policies. Employers must review terms before choosing employee health insurance.

    How To Claim Under Group Health Insurance?


    The process for group health insurance claim in India typically involves the following steps-


  • Inform the Insurer : : Firstly, you should Inform your insurance broker or your insurer about your claim. Customers can do this by calling the customer care number or submitting an online claim form.

  • Submit Documents : The next step is to submit the necessary documents and ID Proof to support the claim. This includes the claim form, medical bills, hospitalization records, and diagnostic test reports. It also covers prescriptions and any other documents the insurer needs.

  • Authorization : The insurer will review the claim and may request additional documents or information. After authorizing the claim, the insurer will issue an permission letter to the hospital or provider.

  • Reimbursement : If the insured paid medical bills, they could request reimbursement by submitting the original bills and receipts. The insurer will process the claim and reimburse the eligible expenses as per the policy terms and conditions.

  • Cashless Facility : When the hospital is within the insurer's network, the insured individual can access cashless treatment. Here, the insurer directly pays the hospital bills, following the policy's terms and conditions.
  • Documents Required for Group health Insurance Claim Process


    Required documents for group health insurance claims vary by insurer and policy terms. However, here is a list of some of the commonly required documents-


  • Claim Form : Fill and submit a standard form to initiate the claims process.

  • Medical Bills : The insured person needs to submit the original bills and receipts for all medical expenses incurred. Include provider details, service date, and charged amount in itemized documents.

  • Hospitalization Records : If hospitalized, provide records like discharge summary, admission notes, and medical files.

  • Diagnostic Reports : Provide diagnostic reports for tests or procedures conducted during medical treatment.

  • Prescription Records : If prescribed medication, provide prescription details: medicine name, dosage, and quantity.

  • Additional Documents : For specific treatments, the insurer might request additional paperwork, including a doctor's certificate, lab reports, and a discharge summary.
  • How Is a Group Health Insurance Different from An Individual Health Insurance?


    AspectGroup Health InsuranceIndividual Health Insurance
    CoverageCovers a group of people, such as employees or members of an organization.Covers an individual and their dependents.
    PremiumPremiums are generally lower, based on group size and claims history.Premiums are generally higher, considering person's age, health history, and factors.
    UnderwritingLimited or no medical underwriting, as risk spreads across the group.Requires medical underwriting, possibly excluding pre-existing conditions or imposing waiting periods.
    Benefits & PersonalizedThe policy offers personalized options.Allows for greater flexibility of benefits and coverage based on individual needs and preferences.
    FlexibilityNot portable, coverage ends when the employee leaves the group.Coverage remains portable, continuing beyond leaving the employer or organization.
    RenewalGroups determine renewal, available on an annual basis.Individuals control renewal, with annual options.
    Cost SharingEmployers and employees typically share cost.Individuals fully bear the cost sharing.

    How To Buy & Renew Group Health Insurance Plan Online from SecureNow?


    To buy or renew a group health insurance policy online from us, you can follow the below steps:


  • Visit the SecureNow Website : Go to the official website at securenow.in

  • Click On 'Group Health Insurance' : Go to SecureNow's homepage and select 'Group Health Insurance' from the menu.

  • Options to 'Purchase' and 'Renew' : Select the appropriate option based on your requirement.

  • Fill in the details : Input policy details for purchase or renewal, like organization name, employee count, and sum insured.

  • Get A Quote : Once you have filled in the required details, you will get a quote for the policy. Review the quote and proceed to the next step.

  • Online Employee Data : : HR can enrol employees digitally and update the company's PAN and GST for e-KYC compliance.

  • Make The Payment : Choose the payment mode, make the payment and get payment receipts for the policy.

  • Receive The Policy : Once the payment is successful, you will receive the policy on your registered email ID.

  • Policy Issuance TAT :The insurance provider typically issues the group health insurance plan within 7-10 working days after underwriting.

  • Find the best group health insurance policy in India. If you face any difficulties during the process, you can contact the SecureNow customer support team for assistance.

    Frequently Asked Questions

    Maternity benefits in group health insurance cover the costs of pregnancy and childbirth-related medical care. These benefits may include coverage for prenatal and postnatal consultations, delivery charges, hospitalization costs, and other related expenses. Some group health insurance policies also provide coverage for complications arising during pregnancy and childbirth.
    Individuals generally cannot buy group health insurance on their own. Employers or organizations often buy group health insurance for their employees or members. Certain insurers might extend group health insurance plans to self-employed or association-affiliated individuals.
    No, group health insurance is not mandatory for employers or organizations to provide to their employees or members. However, in some countries, like the United States, employers must provide health insurance to their employees. If not, they are subject to penalties as stipulated by the Affordable Care Act (ACA).
    You should consider getting a group health insurance cover for your employees as soon as you start hiring them. Offering health insurance as a benefit can help attract and retain top talent and improve employee satisfaction and productivity. Furthermore, health insurance coverage can shield your employees from unforeseen medical costs. It also offers them access to high-quality healthcare.

    Its crucial for businesses promoting employee well-being to grasp the intricacies of group insurance in India. Choose the right group medical insurance for employees to foster a healthy and secure work environment.
    Corporate health insurance plan or corporate medical insurance can be cheaper than individual plans. Companies negotiate lower premiums because of their buying power and larger coverage. However, factors like company size and policy benefits underlie these variations.
    A floater sum insured extends coverage to multiple individuals under a combined amount. In contrast, a non-floater sum insured policy allocates separate coverage amounts to everyone covered.
    The main difference is in coverage distribution: floater policy shares coverage, non-floater policy is individual based.
    A corporate buffer covers unforeseen healthcare costs. Its for employees not under standard insurance. It covers medical costs that go beyond policy limits. Also, for employees not covered by the policy.
    Group health insurance plans or corporate medical insurance plans may cover different modern treatments depending on the policy. Further, it may include treatments such as chemotherapy, radiotherapy, dialysis, organ transplants, robotic surgeries, and stem cell therapy. Some policies may also cover alternative treatments such as Ayurveda, yoga, and naturopathy, among others.

    Employer health insurance, often referred to as group mediclaim policy for employees, provides comprehensive medical insurance coverage.
    IRDAI in India establishes rules and guidelines for group health insurance policies. Rules address policy tenure, benefits, coverage, premium rates, claims, and grievance redressal in group health insurance. While providing group health insurance policies, insurers must adhere to these rules.

    What Our Customers Are Saying

    Rajnish

    I've had a group health insurance policy from SecureNow for over a year now, and it's been a great experience. The customer service is responsive and helpful.

    Rajesh

    SecureNow's group health insurance policy has been fantastic for our small business. We’ve saved money and the coverage is excellent. Highly recommend!

    Mansi

    We switched to SecureNow for our company's group health insurance policy and couldn’t be happier. Easy to set up and the benefits are top-notch.