ImageGroup Health Insurance in Mumbai: Comprehensive Coverage for Businesses
Comprehensive Group Health Insurance Benefits for Employees
Secure Group Health Insurance Solutions

Group Health Insurance In Mumbai

Premium Starts @ 2000/person

(Excluding Taxes)

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
Tata Aig
Bajaj Allianz
New India Insurance
Reliance General Insurance
SecureNow Assistance
assistance1Online policy copy
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 In Mumbai

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
Mobile Image

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

Bajaj allianz
TATA AIG
New India
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cignaNewLogo
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Bajaj allianz logo
Tata aig
New India
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cignaNewLogo
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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 in Mumbai

Group Health Insurance in Mumbai: Understanding Group Health Insurance and Its Benefits


Mumbai is the financial capital of India. It is known for its fast-paced lifestyle. It also brings along an extensive healthcare system and increasing medical expenses. The city’s population often faces health challenges due to pollution. Many citizens face lifestyle diseases and critical illnesses. The importance of health insurance has grown significantly. It is one of the best ways to ensure health coverage in Mumbai. One of the most popular health insurance policies in Mumbai is group health insurance. These plans only provide employees with comprehensive health coverage. Also, they offer significant benefits to employers.

Why is Health Insurance Important in Mumbai?


Health insurance in Mumbai is essential due to several health challenges the city faces. Mumbai City has a dense population. It is also coupled with high pollution levels. It exposes residents to numerous diseases. Rising healthcare costs in Mumbai also make hospitalisation unaffordable for many. On average, a hospitalisation in Mumbai can cost between INR 80,000 to INR 2,00,000 depending on the condition. As such, having the best mediclaim policy in Mumbai becomes a necessity.

One of the most effective solutions for businesses to provide health coverage to their employees is by opting for group health insurance policies. These policies easily cover the company’s employees. Also, many policies extend to their dependents as well.

The need for group medical insurance in Mumbai


Group health insurance policies are designed to provide medical coverage to employees under a single plan. These policies are highly beneficial for both the employer and the employee. They typically cover hospitalisation, pre- and post-hospitalisation expenses, maternity, and, in some cases, critical illness. The best mediclaim policies in Mumbai offer cashless hospitalisation across a network of hospitals. It includes prominent ones like Lilavati Hospital, Kokilaben Dhirubhai Ambani Hospital, and Hinduja Hospital.

Employers in Mumbai prefer group medical insurance due to its cost-effectiveness. It spreads the risk across a large pool of people. This also results in lower premiums. Moreover, it allows employees to enjoy extensive health coverage without having to bear the full cost themselves.

Tax benefits of corporate health insurance


Group health insurance plans in Mumbai offer tax benefits for both employers and employees.

  1. For employers:
    Premiums paid for the group health insurance policy are treated as a business expense and are fully deductible under Section 37 (1) of the Income Tax Act, reducing the company’s taxable income.
  2. For employees:
    Contributions made by employees towards group health insurance are eligible for deduction under Section 80D of the Income Tax Act. Employees can claim a tax deduction of up to INR 25,000 (INR 50,000 for senior citizens) for health insurance premiums.

Benefits of group health insurance for employees and employers in Mumbai


  1. Comprehensive coverage:
    Group health insurance policies cover various health needs, including hospitalisation, critical illnesses, maternity benefits, and pre-existing conditions.
  2. Cashless hospitalisation:
    Mumbai has a wide network of hospitals. Under the group medical insurance plan, employees can avail of cashless treatment at any of the empanelled hospitals.
  3. Cost-effective for employers:
    Employers can negotiate affordable premiums due to the large number of employees covered under the policy.
  4. Tax benefits:
    Group health insurance policies offer tax benefits to both employees and employers, making them a financially attractive option.

Claim process for group medical insurance in Mumbai


Group health insurance policies come with an easy claim process. It is a suitable option for employees to avail of medical benefits when required.

1. Cashless claim process:

Employees can avail of cashless treatment at network hospitals by following these steps:

  • a.Choose a network hospital in Mumbai:
    Select a hospital from the insurer's network list for cashless treatment.
  • b. Pre-authorisation:
    Submit a pre-authorisation form with details of the treatment to the insurance company at least 3-5 days before your planned hospitalisation. For emergency hospitalisation, the pre-authorisation form can be submitted within 24 hours of admission
  • c. Approval:
    The insurance company reviews the form and approves the claim based on the policy’s terms.
  • d. Settlement:
    Once the treatment is completed, the insurer directly settles the bill with the hospital. Only the non-payable portion needs to be paid out-of-pocket.

2. Reimbursement claim process:

If the treatment is availed at a non-network hospital, employees can follow the reimbursement claim process:

  • a. Pay the bills upfront:
    The employee needs to settle the hospital bill first.
  • b. Submit documents:
    After discharge, submit the claim form along with original hospital bills, prescriptions, discharge summary, etc.
  • c. Insurer's review:
    The insurer verifies the documents and processes the claim.
  • d. Reimbursement:
    Once approved, the insurer reimburses the claim amount up to the policy’s coverage limit.

Selecting the optimal mediclaim policy in Mumbai necessitates a thorough evaluation of various factors, including policy features and costs. SecureNow stands out as the premier platform for procuring group health insurance, providing businesses with a comprehensive, cost-effective, and adaptable solution. With its strong support system, SecureNow simplifies the management of organisations' employee health benefits.

Why choose SecureNow for group medical insurance in Mumbai?


SecureNow is a trusted partner for businesses in Mumbai. It is the best option for people seeking the best health insurance solutions for their employees. Here’s why:

  1. Seamless tech-based solution:
    SecureNow offers a user-friendly platform for seamless policy management. You can easily submit claims and track them.
  2. Cost-effective:
    SecureNow negotiates the best premiums. It offers comprehensive health coverage at affordable rates.
  3. Large network of insurers:
    SecureNow works with leading health insurance companies in Mumbai. It allows businesses to compare and choose the most suitable plans.
  4. Customised coverage solution:
    SecureNow provides customised group health insurance plans to suit the specific needs of businesses. Businesses can pick a plan based on their size and industry.
  5. End-to-end support:
    SecureNow supports businesses throughout the policy lifecycle. You will get support from policy selection to claim settlements.

Group health insurance policies offer an excellent solution for businesses in Mumbai to provide health coverage to their employees. By choosing the right policy through SecureNow, employers can ensure that their team enjoys comprehensive medical benefits while also benefiting from tax deductions and cost-effective premiums.

Group Health Insurance in Other Cities

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Group Health Insurance in

Pune

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Group Health Insurance in

Ahmedabad

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Group Health Insurance in

Bangalore

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Frequently Asked Questions

The best mediclaim policy in Mumbai is one that offers comprehensive coverage for the entire group at large. It should include hospitalisation, critical illnesses, and maternity benefits. It should also come with a wide network of cashless hospitals.
Generally, a minimum of 7-10 employees is required to avail of a group health insurance policy in Mumbai. However, this can vary based on the insurer’s guidelines.
Yes, group medical insurance premiums are tax-deductible for both employers and employees under sections 37(1) and 80D of the Income Tax Act, as mentioned above.
Corporate health insurance provides medical coverage to employees under a group policy. With the premium paid either fully by the employer or shared between the employer and the employees. It covers hospitalisation, pre- and post-hospitalisation, maternity benefits, and other healthcare expenses.
To find the best group health insurance plan in Mumbai, compare policies based on coverage, premiums, network hospitals, claim settlement ratio, and additional benefits like wellness programs and preventive health check-ups.

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.