Group Health Insurance
Group Health Insurance safeguards employees against expenses incurred due to unforeseen medical expenses.
- When you choose our plan you get
- Coverage plans which add benefits and lower premium.
- Extensive protection for families as well at affordable rates
- wellness programs and health check-ups
- Health as well as tax benefits, easy claims.
- 21700+ Cashless Providers
- 58 Lakh+Claims Settled
- 24*7Customer Support
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People trust Care Insurance
Additional Coverage
Below mentioned are the additional benefits of Corporate Health insurance that can be offered to policyholders depending upon their requirements
What is Group Health Insurance?
Group Health Insurance is a type of Health Insurance plan that covers employees of an organization. Through contributory or non-contributory version of these policies, employers offer coverage to their employees during their employment tenure.
It is a valued benefit for employees & their immediate family members like spouse, children and parents since group health insurance premium costs for employees are significantly lower than individual health insurance plans. Companies also get tax reduction on these, making it advantageous for both employer and the employee.
Salient Features of Group Health/ Group Medical Insurance
Health Insurance has become essential due to the ever increasing cost of healthcare services. What was once considered a bonus, has now become a necessity and thus many organisations today provide group health insurance policies to their employees.
Comprehensive Coverage
Comprehensive coverage ensures that you don't have to go through any inconvenience during a medical treatment. Cost of hospitalization, consultation expenses, pharmacy, diagnostics etc. are covered by your group health insurance.
Cashless Claims
In a cashless claim, the insured does not have to pay for medical expenses in case of hospitalization and the hospital directly settles the bill with the insurer. Cashless service of medical treatments is provided in the network of healthcare providers associated with the insurer.
Flexible Terms & Conditions
Group Health Insurance policies are flexible while covering health emergencies. Employers have an option to make their policy’s terms and conditions flexible as per the needs of their employees.
Coverage for Dependents
Group Health Insurance offers extended coverage and policy benefits to the employee's dependents such as spouse, children and parents.
Why Choose Care Health’s Group Health Insurance?
- Pre-existing diseases covered from day 1*
- Specialized Health Insurer dedicatedly working in the industry
- One of the best Claim Settlement ratios for Health Insurance nationwide
- No TPA/third party intermediation required because of in-house claim management
- Flexibility to choose plans based on employer’s need
- No Pre-policy health check-up
- Real-time access to digital portal/mobile app for service-related queries
- 504+ Day-care surgeries covered
- Wide range of sum insured options
- 24/7 support for queries/claim assistance
- Critical illness coverage for hospitalization from day 1
- One of the largest network of cashless healthcare providers
Extended Benefits
Employers can also opt for extended benefits while purchasing group health insurance. Under this, a set of comprehensive benefits are available to employees subject to terms and conditions
- Accidental death coverage
- New born babies can be covered within maternity coverage.
- Option for OPD coverage.
- Employer can choose a corporate buffer under which employees get an extra amount, if their existing Sum Insured gets exhausted and they need further financial assistance.
Fast. Reliable. Always On Call.
Emergency? Our advanced ambulance services ensure timely assistance when you need it the most. Available 24/7 for your safety and peace of mind.
Who can Buy Corporate Insurance ?
Our Corporate/Group Insurance policies secure organisations irrespective of their type or size. Whether it’s private, public, NBFCs, HFCs, cooperative, MNC, or SME, we serve companies with innovative insurance products that can be customized as per the organization’s headcount, desired healthcare benefits, sum insured preferences etc. Mentioned below are some eligibility criteria for companies to be insured under our group covers:
Number of lives to be insured in an organization should be at least 7.
The company should fall under any of these categories: MNC, SMEs, Public companies, PSUs, Private and MNC Banks, NBFCs, HFCs, Joint ventures or Partnerships.
We offer comprehensive, standard coverage for all the employees in an organisation, with customizable options for Sum Insured according to the policy terms.
Please refer to the policy terms and conditions for complete details on eligibility criteria.
Inclusions under Group Health Insurance
Group Insurance provides comprehensive coverage for hospitalisation expenses incurred during a medical emergency. The coverage provided is subject to policy terms and conditions and includes:
In-patient Hospitalization:
Expenses like room rent, ICU charges, doctor’s fees, etc. during any planned or emergency hospitalization up to the Sum Insured are covered.
30 Day Pre & 60 Days Post Hospitalization
Get coverage for expenses arising from doctor’s consultation, diagnostic tests or medication from 30 days before admission up to 60 days immediately after discharge from the hospital.
No Initial Waiting Period
Unlike standard health insurance plans, you will not have to undergo waiting period with your Group Health Insurance policy.
Coverage of Pre-existing Diseases
Cost incurred by you for the treatment of pre-existing diseases will be covered.
Advanced Medical Treatment
Access to advanced medical care and coverage for treatments like robotic surgeries is included.
Room Rent
Get coverage for Room rent up to 1% of Sum Insured amount per day.
Maternity Cover
Maternity cover of up to INR 50,000 for Normal & C-section with no waiting period is available.
New-born Baby Cover
New-born baby coverage from Day 1* is included.
Ambulance Cover
Ambulance charges are covered.
Corporate Buffer
Corporate Buffer is available as per requirement of the employee.
How to Choose the Best Group Health Insurance?
Looking for the best Group Health Insurance for employees could be a tedious process as it takes time and detailed understanding of the product, and correct comprehension of its terms and conditions. The most valuable asset of a company are its employees, who help it grow by contributing their time and energy for the organisation. Therefore, employers take ownership of extending care for their employees by getting a comprehensive Group Health Insurance and securing them financially against unforeseen medical exigencies
Compare Available Plans
Saving money on insurance premium may sound great, but the lowest premium available might not fetch you a comprehensive coverage. Hence, comparing features & benefits of various policies in the market to find a plan that best suits your needs will lead to an informed decision.
Read through Policy Documents (Brochures/Policy terms)
It is important to get a thorough understanding of policy terms and conditions such as co-payment, deductible or sub-limits while reviewing policy documents, this ensures you do not encounter any variance during claim filing.
Check for Network Hospitals
Making a note of cashless network hospitals gives you ease during an emergency. Choosing an insurer with a large network of cashless healthcare providers benefits the policyholder immensely.
Connect with Customer Care
An insurer that can provide you with 24X7 customer service support or an easy-to-use customer mobile app should be preferred.
Claim Settlement Ratio
The insurer should have a high Claim Settlement ratio as it reassures the policyholder of a proactive, customer-centric approach.
Exclusions under Group Health Insurance
Self-inflicted injuries resulting from suicide or attempted suicide
Any treatment or hospitalisation for undergoing contraception
Expenses arising from or attributable to alcohol or drug use/misuse/abuse
Treatment arising from miscarriage, abortion and its consequences *
Tests and treatment relating to infertility and in vitro fertilization
Expenses related to any admission primarily for diagnostic and evaluation purposes
Committing or attempting breach of law with criminal intent
Circumcision unless necessary for the treatment of an illness
Benefits of Group Insurance
- For Employees
- For Employers
No medical check-up required
Exemption in wait period
Employees get support while filing the claim
Maternity coverage with no wait period
Employees can also get dependents covered
Paperless claim processing procedure
Paperless claim processing procedure
Claim/Policy processing assistance tracked digitally
Motivates and increases productivity among employees
Gives a sense of security to employees
Increases employee retention
Tax Benefits
Appropriate/Competitive product for the financial well-being of workforce.
Customizable policy which suits the budget and needs of employers.
Digital assistance to portal and app including policy servicing functions such as addition and deletion of people
Claim Process
- Cashless
- Reimbursement
Locate a Network Hospital & Intimate Us
For Planned Hospitalisation intimate us at least 48 hours prior
For Emergencies intimate us within 24 hours of hospitalisation
Find a network hospital near you and visit the TPA desk.
Submit Pre-Authorization Request
Fill out the pre-authorization request form at the TPA desk. We'll notify you about the acceptance or rejection status.
Get Treated and Discharged
Fill out the pre-authorization request form at the TPA desk. We'll notify you about the acceptance or rejection status.
Intimate and Get Treated
For Planned Hospitalization intimate us at least 48 hours prior
For Emergencies intimate us within 24 hours of hospitalisation
Get treated at any hospital, pay the bill & collect the original reciepts.
Submit Claim
After discharge, fill out the claim form and submit it along with the receipts and necessary documents
Receive Reimbursement
We will verify your documents. Once approved, the claim amount will be transferred to your bank account.
Documents Required for Claim Reimbursement - Group Health Insurance
Documents Required for Claim Reimbursement - Group Health Insurance
Claim Intimation Number – Provided to you by the health insurance team while intimating the claim before hospitalization, in case of planned treatment or 24 hours post-hospitalization in case of emergency hospitalization.
Duly filled and signed claim form, in original
Identity proof with photo, age proof and address proof
Referral letter advising Hospitalization from Medical Practitioner's desk
Doctor’s prescription advising drugs /diagnostic tests/consultation
Original bills/receipts from pharmacy/chemist
Original bills, receipts and discharge card from the Hospital /Medical Practitioner
Original diagnostic test reports and payment receipts
Indoor case papers (if applicable)
Accident proof - First Information Report/ final police report, if applicable
Disability Certificate from Government Medical Board, Fitness Certificate, Medical Prescription, if applicable
Post mortem report, if applicable
Any other information/document as required by the insurance company to assess the claim, in case fraud is suspected
