Group Health Insurance
Protect all your employees from medical emergencies
- Graded Sum Insured (e.g., 2, 3, 5 lac)
- Flat Sum Insured (e.g., 3 lac flat for all)
Also, you can opt for
- Floater Sum Insured
- Individual Sum Insured
- Self Only
- Self + Spouse + 2 Kids
- Self + Spouse + 2 Kids + 2 Parents
- Cadre wise Benefit
Health Cover Up
to ₹50 Lacs
What is Group Health Insurance?
Group Health Insurance cover ensures that all your employees, as well as their families, are covered against unforeseen medical expenses due to disease or accident. Allows you the flexibility to choose covers as per your needs. Offers cashless services at network hospitals without worrying about treatment and hospitalization charges.
Why do you need Group Health Insurance?
Family Protection
Safeguard the health and well-being of your loved ones.
Financial Security
Protect your savings from unexpected medical expenses.
Tax Benefits
Save money while protecting your health under applicable tax laws.
Competitive Advantage
Empowering Talent with Competitive Benefits.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Group Health Insurance cover and exclude?
Plan Coverage
Comprehensive In-Patient Coverage
Provides 24/7 coverage for hospitalization expenses, including room, nursing, and medical care.
Pre- and Post-Hospitalization Benefits
Covers expenses for diagnostic tests, consultations, and follow-up treatments.
Pre-Existing and Critical Conditions
Offers comprehensive coverage for pre-existing diseases after the waiting period.
Family Floater Plans
Covers the immediate family under a single policy for cost-effective protection.
Maternity and Childcare Benefits
Includes maternity coverage, day-one baby care, and vaccination benefits.
Domiciliary and Day Care Coverage
Provides coverage for home treatments and procedures not requiring hospitalization.
Value-Added Benefits
Offers reimbursements for health check-ups, dental treatments, and optical care.
Emergency and Specialized Care
Covers ambulance costs, increased room rent limits, and outpatient treatments.
- 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.
Major Exclusions
Pre-Existing Illness Exclusion
Coverage excludes pre-existing illnesses unless the appropriate waiver is opted for.
Initial Waiting Period
No coverage for illnesses within the first 30 days unless caused by an accident.
Specified Illness Waiting Period
Certain illnesses like hernia and cataract are excluded during the first policy year.
Maternity-Related Exclusions
Claims related to pregnancy and childbirth are not covered under the policy.
Alternative Treatments
Treatments like Ayurveda, homeopathy, and naturopathy are excluded from coverage.
Lifestyle-Related Exclusions
No coverage for conditions caused by alcoholism, drug abuse, or AIDS.
Non-Hospitalized Dental & Optical Care
Excludes dental treatment and the cost of spectacles unless hospitalization is required.
Cosmetic and Preventive Care
Cosmetic treatments, vaccinations, and inoculations are not covered by the policy.
- 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.
Your Journey to Insurance Manager
When can I Claim?
A claim under Group Health Insurance can be registered in the below circumstances:
- When an employee is admitted to a hospital for planned treatments or medical emergencies.
- If an employee requires an ambulance to reach the hospital during an emergency.
- For doctor-prescribed diagnostic tests to determine or monitor health conditions.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
