Group Health Insurance That Cares for Your Entire Team
Group Health Insurance provides medical coverage to employees (and optionally their families) under a single master policy. It helps employers offer a valuable benefit, ensuring employees have access to quality healthcare without heavy out-of-pocket expenses. Group plans often come with wider coverage and fewer waiting periods compared to individual policies.
Hospitalisation coverage for employees and dependents
Options for maternity, newborn and parental coverage
Customisable sum insured and benefit structures
Cashless treatment at network hospitals
Can be integrated with wellness and preventive health programmes
Frequently Asked Questions
Who can be covered under a group health policy?
Employees and, optionally, their spouses, children and parents, depending on plan design.
Are pre-existing diseases covered from day one?
Many group plans offer relaxed waiting periods; details depend on the negotiated terms.
Can employees pay extra to enhance coverage?
Yes, voluntary top-ups and parental covers are common in many corporate programmes.
What happens to coverage when an employee leaves?
Coverage usually ceases; some insurers offer portability to individual plans.
Is maternity coverage included?
Often yes, with specific waiting periods and sub-limits, depending on the policy.
How is the premium decided for group health insurance?
Based on group size, age profile, benefits, claims history and location.
