IRDAI License Number: IRDAI/INT/ISNP/2022/250

CUSTOMIZED GROUP HEALTH INSURANCE

At Your Chosen Price

Different Companies have different needs depending on Employee profile We have Great Offers for all your needs.
Minimum 7 Employees Required.
Pre-Existing Diseases.
Mother & Father In Law Can Be Consider To Opt For This Policy Cover.
Option Of Selecting Sum Insured & Limits Etc. Create Number Of Options Instantly.
Get Comparative Quotes From Leading Public Sector And Private Insurance Companion.

Health Cover of ₹1 Lakh
Just ₹105/employee*

Employee Count

Group Health Insurance Policy

This policy comes under the Employee Benefit Insurance schemes which are meant for welfare and wellbeing of employees. This policy provides social security benefits which include compensation for hospitalization, untimely death, disabilities, occupational diseases and injuries.

Introduction
Who can take this Policy?
Coverage
Add on Covers
Basis of Sum lnsured
Exclusions
Introduction

Group Health Insurance Policy (GHI) is taken by employers to cover their employees and family members. The coverage under the policy is uniform for all employees/ members of the group except when sum insured vary for employees.  Fabulous benefits are available in the policy at very competitive premium rates.

Who can take this Policy?

An organization can take this policy for their onroll employees.

Coverage

Coverage under Group Health Insurance Policy are as follows: 

  • Self, Spouse, 2 children and Parents can be covered with or without Family Floater. 
  •  Room Rent and ICU expenses
  •  Ambulance Charges
  • Maternity Benefit up to Rs.50,000 per claim with or without 9 month waiting period
  • Newborn Baby Coverage from Day One within Maternity Sum Insured 
  •  Pre-existing diseases 
  •  Waiver of 30 day waiting period
  •  Waiver of 1st, 2nd & 4th  year exclusions
  •  Corporate Floater for major illness
  •  Domiciliary benefit 
  •  OPD charges
  • Expenses incurred 30 days before and 60 days after hospitalization

Add on Covers

Add-on covers under Group Health Insurance Policy are as follows: 

  •  Pre Existing Disease 
  •  Room Rent Waiver 
  •  Maternity Cover
  •  Daily Hospital Cash
  • Corporate buffer

Basis of Sum lnsured

Sum insured of INR 50,000 - 10 Lac per employee/family member can be taken.

Exclusions

Exclusions under Group Health Insurance Policy are as follows:

  • Addictions like Alcohol / Drug Abuse etc 
  • Alternative Treatment
  • Treatment outside the geographical limits
  • War
  • Nuclear Risk
  • Cosmetic Treatment
  • Sleep Disorders

Advantage of Group Health Insurance Policy

Why Choose PolicyLo. com

Professional and Experienced Team
Customized Solutions
Strong Relationship With Insurance Companies
Service Commitment Ontime Everytime
Technological Edge
Additional Services Offered
Competitive Premium
Single Window Solution

Key Documents At The Time Of Claims

General Claim Intimation Format
Immediate Action Client Should Take
Indicative General Documents for Settlement of Claims

Important Points To Remember While Buying The Policy

Group policy sync with individual policy to get the continuation benefit of exit employees

  • A Clause can be added in Group Policy wherein the group benefit can be synchronized with Individual Policy for the employees exiting the organization and taking the individual policy from the same Insurer

Corporate Floater can be covered

  • Corporate Floater provides facility to cover the medical expenses incase of individual family sum insured exhausted.

Parents can be covered along with employees

  • GMC Policy provides an option to cover employee's parents as well by charging additional premium.
  • This option nulify the requirement of separate health policy for parents.

Claim Case Study 1

Situation

In a GMC policy of a fast growing IT company, there were frequent joining`s of the employees due to which the employees did not get the coverage from day one.

Challenge

The insurance company held the view and conveyed via TPA that Cashless serviced will not be extended to the claimant under these circumstances.

Solution

We were able to convey to the Insurance company that the CD deposit so maintained takes care of such exigencies and claims were paid accordingly.

Advisory/Conclusion

Complete reconciliation of data was done to ensure all the existing members are covered. Monthly details of addition and deletion of members was comprehensively done for future.

Claim Case Study 2

Situation

After retirement the individual did not have any Health Insurance Policy

Challenge

The Individual was left without cover and if he was taking any policy from the market, it had a waiting period

Solution

Health insurance policy should continue and there should not be any break to avail the accrued benefits. Even in case of portability, accrued benefits will continue with the new insurer.

Advisory/Conclusion

We advised him to take continuity benefit from his Corporate Group Policy by porting it

INSUROLOGY

Frequently Asked Questions

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