GROUP HEALTH INSURANCE

Get several deeply researched insurance options
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Cover pre-existing diseases and maternity
Get quotes from any insurer such as New India, Tata AIG or Bajaj Allianz
Cover employee, spouse, children or parents
Secure options for flat or graded sum assured

WHY DO WE NEED

GROUP HEALTH INSURANCE

Employee health is one of the biggest issues in today’s high pressure,competitive work environment. Caring for health well being of your employee and their families is one of the best motivators for today’s workforce.

The Group Medical Insurance covers the hospitalisation costs as in-patient of the employee and or their family members (if covered) upto the limit provided under the policy. There are also floater covers available where the limit operates for the entire family of the insured employee.

The highlight of the policy is the cashless facility for claim payment provided by insurance companies through IRDA approved Third-party Administrators(TPAs) for which the cost is included in the initial premium paid to the insurance companies. This facility is offered for admission into hospital across the country with whom with the TPA has a tie-up.

Proposal Form

Claim Form

Policy Wording

Network Hospital List

GROUP HEALTH INSURANCE

ADVANTAGES

Better Benefits

Our group health insurance plan offers pre-existing diseases and maternity from day 1. Medical checkups are not needed, waiting periods are waived, and exclusive benefits like corporate floater offered.

Lower Cost

Affordable group health insurance cover for employees and their families. Costs are much lower than health insurance bought individually because we negotiate bulk discounts with insurers. That’s why we cover over 5000 clients.

Customised Cover

We can customize employee health insurance policy to your budget and requirements. For example, parents, spouse or upto 3 children can be included. Maternity cover or OPD benefits can be introduced.

Guaranteed Issue

All employees and their dependents are assured cover, even if they have medical conditions such as diabetes, blood pressure under our group insurance plan. No medical test or prior claim history is asked for.

GROUP HEALTH INSURANCE

BENEFITS

Pre-existing Diseases Covered From Day 1

Our employee mediclaim insurance covers pre-existing diseases immediately. This is a major differentiator because standard family floater insurances have a waiting period of 2 to 4 years.
No medical check-ups are required to determine an individual’s coverage eligibility.
Cover available even to members with chronic ailments such as diabetes or hypertension.

High Maternity Benefits for Normal and C-Sec

Maternity benefits are particularly valued by young employees. To attract talent, firms in service sectors such as IT, E-Commerce or outsourcing offer high cover for pregnancy and delivery related expenses
Separate limits can be set for normal, caesarean sections or ectopic pregnancies
New born babies can be covered immediately without the standard 90 day waiting period.

High Maternity Benefits for Normal and C-Sec

Maternity benefits are particularly valued by young employees. To attract talent, firms in service sectors such as IT, E-Commerce or outsourcing offer high cover for pregnancy and delivery related expenses
Separate limits can be set for normal, caesarean sections or ectopic pregnancies
New born babies can be covered immediately without the standard 90 day waiting period.

Wider Coverage with No Disease Limits

The standard waiting period of 1 to 4 years for diseases such as cataract, hernia, piles, joint replacements, and cyst removals can be removed. All surgeries can be covered immediately after the premium is paid
Standard medical exclusions such as for internal congenital diseases can be removed
Sub-limits and copay on specific diseases can be removed to allow full indemnity.