IMT Care Insurance
New-Age Employee Insurance, Wellness & Healthcare Platform
IMT Care is a unified HR and employee platform that integrates group insurance, wellness services, healthcare benefits, claim visibility, endorsements, and digital convenience into one seamless system.
Key Benefits
- Hassle-Free Insurance Management: Manage policies, endorsements, CD balance, and claim status instantly.
- 360° Employee Healthcare: Free doctor consultations, discounted medicines, health check-ups, and wellness activities.
- Full HR Visibility: Live claim dashboards, policy details, data summary, e-cards, and real-time updates.
- Integrated Wellness Support: Mental health, lifestyle management, physiotherapy, nursing care & more.
Enquiry Now
What is IMT Care Insurance?
IMT Care is a digital insurance and healthcare platform that unifies HR, employees, hospitals, and insurers into one easy-to-use system. It simplifies policy access, e-cards, endorsements, claim tracking, and healthcare services like doctor calls, medicines, tests, and wellness support.
Why do you need IMT Care Insurance?
Unified Platform
Manage insurance, wellness, and healthcare benefits all in one integrated system.
Employee Convenience
Employees access e-cards, coverage details, hospital networks, & claim status instantly.
HR Empowerment
HR gets dashboards for active data, CD balance, endorsements, & policy management.
Health Access
Doctor calls, lab discounts, nursing care, physiotherapy, & wellness programs in one platform.
Why choose Insurance Manager to protect your business?
Technology Expertise
A robust HR portal + mobile app simplifying insurance, claims, healthcare & wellness.
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.
Real-Time Dashboards
Live claim summaries, policy details, active data and endorsement tracking for HR.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Comprehensive Healthcare
Doctor consultations, disease management, discounted tests, medicines & wellness care.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Convenience for Employees
Easy enrolment, instant e-cards, health services, pharmacy savings, & claim visibility.
What does IMT Care Insurance cover and exclude?
Plan Coverage
Free Doctor Consultations
Unlimited doctor-on-call support for everyday medical needs through the platform.
Discounted Medicines
Employees get maximum pharmacy discounts directly via the app for prescribed medicines.
Lab Test Discounts
Pathology and diagnostic tests are offered at reduced rates for all employees.
Disease Management Program
Support for chronic and lifestyle conditions through structured health management.
Free Surgery Care Assistance
Guidance for surgical procedures with support from empaneled healthcare partners.
Discounted Physiotherapy Sessions
Reduced-cost physiotherapy for pain, posture correction, and physical rehabilitation.
Free Dental Consultation
Employees receive complimentary dental guidance and initial consultation support.
Onsite Health Check-ups & Wellness Sessions
Includes mental health, lifestyle management, Zumba/Yoga, and wellness workshops.
- 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
Personal Insurance Customization
Platform does not modify individual insurance terms beyond group policy settings.
Non-Medical Services
Any service unrelated to insurance, wellness, or healthcare is not part of IMT Care.
Non-Partnered Hospital Benefits
Benefits apply only within the listed network hospitals and partners on the app.
Employer-Specific Custom Wellness
Custom corporate wellness beyond offered modules requires separate engagement.
Out-of-Scope Medical Reimbursements
Services not covered in the group health, accident, or term policy won't be reimbursed.
Mid-Term Policy Upgrades
Changes to sum insured or additions allowed only during designated enrollment windows.
Non-Listed Pharmacy Discounts
Medicine discounts apply only to listed pharmacy partners available on the platform.
Offline Manual Claim Support
All claim status and actions must be done via the platform, not offline paperwork.
- 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 IMT Care Insurance can be registered in the below circumstances:
- They access benefits under group accident, group health, group term, or OPD support.
- An emergency hospitalization requires instant E-card use at network hospitals.
- They need pre-approved diagnostic tests or medicines covered under group policy.
- Policies updated on HR dashboard reflect new coverage or dependent addition.
- Claim status can be tracked directly in real-time through the mobile app.
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