Group Health

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(< 18 years)
(< 80 years)

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Product Advantage

Better Benefits
than individual insurance
Lower Cost
due to economies of scale
Ability to
customise cover
Guaranteed issue
(including pre-existing ailments)

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

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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

We will advice you on risk management best practices.

Policy Administration
System (PAM)

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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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