Group Health Insurance

Comprehensive health coverage for your employees. Attract and retain top talent with robust health benefits.

Group Health Insurance

Take Care of Your Greatest Asset - Your Employees

Group health insurance is one of the most valued employee benefits. It demonstrates your commitment to employee well-being and helps build a loyal, productive workforce.

Cashless Hospitalization

5000+ network hospitals

Maternity Coverage

Pre & post-natal expenses

Pre-existing Disease Cover

Coverage from day 1

Tax Benefits

Under Section 80D

Group Health Insurance Overview

Key Features & Benefits

Why choose our group health insurance plans

Cost-Effective

Group policies are 20-30% more affordable than individual coverage

No Medical Tests

Most plans don't require medical tests for employees

Quick Coverage

Coverage starts immediately from policy inception

Family Coverage

Option to include spouse, children, and parents

Tax Benefits

Premiums are tax-deductible business expenses

Customizable Plans

Tailor coverage to match your budget and needs

Coverage Options

Choose what's included in your group health plan

Standard Coverage

  • Hospitalization Expenses - Room rent, ICU, surgeon fees, medicines
  • Pre & Post Hospitalization - 30 days before and 60 days after
  • Day Care Procedures - 140+ procedures not requiring 24hr stay
  • Ambulance Charges - Up to ₹2,000 per hospitalization
  • Cashless Treatment - At all network hospitals
  • Domiciliary Treatment - Treatment at home for certain conditions

Optional Add-ons

  • Maternity Cover - Delivery expenses, newborn coverage
  • OPD Cover - Outpatient consultations, diagnostics, pharmacy
  • Dental Cover - Dental procedures and treatments
  • Wellness Benefits - Annual health check-ups, fitness programs
  • Critical Illness Cover - Lump sum on diagnosis of critical illness
  • Personal Accident Cover - Accidental death & disability coverage

Flexible Plan Options

Choose the plan structure that works for your business

Floater Plan

Single sum insured for the entire group. Any employee can claim up to the total amount.

  • Cost-effective for large groups
  • Shared coverage among employees
  • Ideal for small to medium businesses

Individual Sum Insured

Each employee has their own dedicated sum insured amount.

  • Dedicated coverage per employee
  • No sharing of limits
  • Better for executive coverage

Multi-tier Plan

Different coverage levels for different employee categories.

  • Higher coverage for senior staff
  • Optimize premium costs
  • Scalable as team grows

Our Network Hospitals

Cashless treatment at 5000+ hospitals across India

Apollo Hospitals
Pan India
Fortis Healthcare
Pan India
Max Healthcare
Delhi NCR
Manipal Hospitals
South India
Narayana Health
Pan India
Kokilaben Hospital
Mumbai
Medanta Medicity
Gurgaon
AIIMS
Delhi

Eligibility Criteria

  • Group Size: Minimum 5 employees
  • Employee Age: 18 years to 65 years
  • Sum Insured: ₹1 Lakh to ₹10 Lakhs per employee
  • Policy Term: 1 year (renewable)
  • Coverage: Employee + Spouse + Children + Parents (optional)

Documents Required

  • Company Registration Certificate / GST Certificate
  • List of employees with age, gender, relationship
  • PAN Card of company
  • Address proof of company
  • Previous policy details (for renewal)
  • Declaration of good health (for each employee)

Compare Group Health Plans

Find the right coverage for your team

Features Basic Plan Standard Plan Premium Plan
Sum Insured (per employee) ₹1 Lakh ₹3 Lakhs ₹5 Lakhs
Room Rent Limit 1% of SI (Max ₹1,000) 1% of SI (Max ₹3,000) 1% of SI (Max ₹5,000)
Pre-hospitalization 30 days 30 days 60 days
Post-hospitalization 60 days 60 days 90 days
Maternity Cover Not Included Optional Included
OPD Cover Not Included Not Included Optional
Pre-existing Diseases Covered from day 1 Covered from day 1 Covered from day 1

Frequently Asked Questions

Common questions about group health insurance

The minimum group size varies by insurer but typically ranges from 5 to 10 employees. Some insurers offer special plans for smaller groups. Contact us for options based on your company size.

Yes, one of the biggest advantages of group health insurance is that pre-existing diseases are usually covered from day 1. There's no waiting period for pre-existing conditions as long as the employee is part of the group.

Yes, most group health policies allow employees to include their spouse, children, and dependent parents. The premium for family coverage can be paid by the employer or deducted from employee salary. This is a highly valued benefit for employees.

Coverage ends for the employee on their last working day. However, most insurers offer a portability option where the ex-employee can convert their group coverage to an individual policy without medical tests, provided they apply within 30 days of leaving.

Premiums paid by the company are tax-deductible as business expense. For employees, the premium paid by employer is not considered a perquisite and is tax-free up to ₹15,000 per annum under current tax laws.

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