Group Health Insurance
Employees are valued asset for every organization. As a caring employer, organizations are concerned about well being of their employees. From regular salary income employees have to maintain for their routine expenses, monthly rentals, loan repayments, education of children and other expenses.
In case of unforeseen medical emergencies, employees are not able to attend work. They also have to incur heavy expenses for checkups, treatment, medicines etc. Medical costs are rising and it becomes difficult for employees to meet these expenses. Due to cost concerns even employers find it difficult to reimburse these costs. These create not only economical hardship but also mental agony for employees.
Taking product (policy) for each employee separately is very costly. With add on cover benefit available for groups like Maternity cover, options to cover spouse, children, parents and dependant siblings of employees, critical illness cover and much more
There are two ways to claim expenses: either cashlessly, where the company will pay for claims from hospitals in the network, or through reimbursement, where employees must pay first and then the company would refund them after receiving the necessary paperwork.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
-
If the appropriate waiver is not opted for, then the policy will not cover:
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
OUR PARTNERS
