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Group Health Insurance In Pune
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
SecureNow Assistance
Online policy copy
Instant risk confirmation
Experienced medico-legal panel
Single point interface for claims
Renewal reminders
Digital proposal form and paymentCompare quotes in 2 steps
Customise benefits based on your budget.
Group Health Insurance In Pune
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
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
Book your Insurance in Simple steps
Finalise the Plan
Collect Employee Data
Make Payment Online
Get Policy
Get E-Cards
Make Claims
Claims Helpline
Add and Delete Employee
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
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
Know More
Group Health Insurance Vs Individual Health Insurance
Quick Guide to Group Health Insurance in Pune
Group Health Insurance in Pune
Individuals and families living in Pune face many health challenges, just like any other city in India. Some health challenges in Pune include air pollution, lifestyle diseases, vector-borne diseases, waterborne diseases, and critical illnesses like cancer. Water-borne diseases like diarrhoea, hepatitis, and typhoid have affected more than 5200 people in Pune in June this year. Rising medical expenses make healthcare in Pune unaffordable without insurance, with average hospitalisation costs in Pune ranging from INR 100,000 to INR 150,000 per stay. These challenges underline the critical need for comprehensive health insurance in Pune. To make health insurance affordable to individuals and provide additional benefits, employers use group health insurance policies to their advantage.
The Need for Group Health Insurance Policy in Pune
Group health insurance policies in Pune refer to employer-sponsored health insurance designed to provide medical coverage to employees and their dependents under a single plan. This group health insurance policy for employees typically covers hospitalisation, pre- and post-hospitalization expenses, surgical procedures, pre-existing illnesses, maternity, and sometimes critical illness benefits. The best mediclaim policy in Pune comes with cashless hospitalisation options at a network of hospitals, including top hospitals like Apollo, Jehangir Hospital, Ruby Hall Clinic, and Sahyadri Hospitals.
Group health insurance for employees is cost-effective compared to individual health insurance plans, as the risk is spread across a larger group. Group medical insurance typically covers the employees, their spouses, dependent children, parents, and parents-in-law. Some policies can also offer coverage for extended family members dependent on an employee. Employers also enjoy tax benefits when providing such insurance. The option to customise benefits the employees with additional covers and add-ons.
Tax Benefits of Corporate Health Insurance
The following are the tax benefits offered by the group medical insurance plans:
Group Health Insurance Claim Process
The group health insurance claim process generally follows these steps:
A. Cashless Claim Process for Group Health Claims:
- a. Choose the nearest network hospital: For cashless claims, choose the hospital tied up with your insurance company.
- b. Pre-authorisation: The hospital's insurance desk submits a pre-authorization form with treatment details to the insurance company. The employer can also obtain this approval, as they will liaise with the insurer on the insured or the employee’s behalf.
- c. Insurer’s approval: The insurer reviews and approves the request based on the policy terms.
- d. Claim Settlement: After treatment, the insurer directly settles the bill with the hospital at discharge, subject to the policy coverage limits.
B. Reimbursement Claim Process for Group Health Claims:
- a. Hospitalisation and payment: If you receive treatment at a non-network hospital, you need to pay the medical bills upfront out of pocket.
- b. Claim submission: After discharge, submit a claim form along with original hospital bills, discharge summary, diagnostic reports, prescriptions, and other documents, if any to the third-party agent (TPA) or insurance company or with the insurance desk of your employer. The employer can collect all documents on your behalf and submit it to the insurer for the reimbursement claim.
- c. Insurer’s review: The insurer reviews the claim and verifies the claim request before approving it.
- d. Reimbursement: If approved, the insurer reimburses your claim amount up to the policy’s coverage limit.
Choosing the best mediclaim policy in Pune requires the employer to consider many things, including features, costs, etc. SecureNow is the best platform for buying group health insurance as it offers businesses a comprehensive, affordable, and flexible solution with robust support, making it easier to manage health benefits for their employees.
Why Connect with Us for a Group Health Insurance Policy?
SecureNow is a reliable partner for businesses looking to provide robust health benefits to their teams. Connecting with us for policy offers various benefits for companies and organisations seeking comprehensive health coverage for their employees. Here are key reasons to consider:
- Wide network of insurers: SecureNow works with leading insurers, allowing you to compare and select from various policies to suit your specific needs, ensuring better options and competitive pricing.
- Tech-based services: SecureNow applications are user-friendly for seamless policy management, claim submission, and tracking and offer smooth and efficient claim processing.
- Tailored policies with comprehensive coverage: We offer tailored group health insurance plans that can be adjusted according to the size of your group, sector, industry type, and specific employee requirements. The plans also provide coverage for a wide range of healthcare treatments.
- Cost-effective: We provide cost-effective insurance solutions without compromising the quality and scope of coverage. As we have an edge in negotiating the best premiums, you can avail of budget-friendly comprehensive coverage for your group.
- End-to-end support: SecureNow provides support throughout the policy lifecycle, from policy selection to renewals to claims settlement, ensuring a seamless experience for you.
- Product assistance and expert guidance: Our team of experts guides you through the best plans and offers advice on compliance, regulations, and ways to maximise the benefits for your employees.
Frequently Asked Questions
You can migrate from corporate to individual health insurance through the portability option. This allows you to transfer your existing coverage with the same insurer. Contact the insurance company three months before your corporate health insurance policy expires.
Ensure you have been covered under the group policy for at least a year to be eligible for portability. Submit a portability request form and required documents like your group policy details, medical records, claim history, etc. You may have to take a pre-medical examination,
especially above 45. However, your waiting period for pre-existing conditions will be as per the terms of a new individual plan, and the premium will be higher.
Health insurance coverage typically begins from day one of your employment. However, this can also vary based on the employer’s policies. Some employers may offer coverage after 30 or 90 days of joining. Maternity coverage usually needs a minimum waiting period. Hence, it is best to check with the HR department for details regarding the start date of your health insurance coverage.
Your group health insurance plans typically end with your employment unless your employer offers an option to continue coverage under certain conditions. However, some insurance companies offer the option to port your group health insurance to an individual health plan.
There are many prominent health insurance companies offering group health insurance in Pune. However, it is important to consider various aspects when choosing the best health insurance company. Here are the important points to consider while choosing health insurance companies in Pune:
a. The insurance company’s reputation: Choose a well-known insurance provider with solid financial backing to ensure hassle-free settlement of large claims. You can also check online reviews, testimonials, and expert ratings to gauge client satisfaction.
b. Plans, coverage, and benefits: Consider various plans, including group health insurance policy in Pune, offered by the health insurance provider. Ensure the policy offers a wide range of coverage, including hospitalisation, pre- and post-hospitalisation, maternity benefits,
pre-existing illness cover, daycare treatments, etc. Consider the various benefits, such as welfare programs, preventive health check-ups, etc., and read through the exclusions to understand the plan's suitability with your insurance requirements.
Be sure to choose the insurer who can customise coverage to your needs.
c. Premium cost: Affordability is important when choosing any health insurance plan, including group medical insurance in Pune. The best health insurance companies offer your critical benefits and extensive coverage at a reasonable cost.
d. Network hospitals: Considering the healthcare in Pune, choose a health insurance company with a wide network of hospitals, especially those in your vicinity. A cashless facility makes it more convenient and reduces out-of-pocket costs.
e. Customer support: Consider the quality of customer service and the efficiency of the round-the-clock support offered by the health insurance provider. Look into their grievance redressal mechanism to choose the best health insurance in Pune.
f. Claim settlement process: Consider the claim settlement ratio when choosing an insurance company. A high ratio indicates the company’s efficiency in settling claims. Ensure the company offers a quick, transparent, seamless claims process with online support and minimal paperwork.
g. Co-pay and Sub-limits: Ensure to check the co-pay and sub-limit clauses in the health insurance policy, including group medical insurance in Pune to minimise the burden of out-of-pocket costs.