Group Health Insurance

Employees are the backbone of an organisation and are its most valued asset. Group health insurance products are crafted to provide health coverage suitable for employees across various business sizes, from small and medium enterprises to large organisations.

The group health insurance policy offers coverage to a group of people. The coverage is provided to all group members and other dependent family members such as parents, spouse and children.

  • Check Employees coverage
  • Employees family Coverage
  • Tax Benefits

Health Plans Starting @Rs 9/Day*

  • 1
  • 2
  • 3
Next
Previous Next
Do you have an existing illness or medical history?
Previous

What is Group Health Insurance /Why buy Group Health Insurance?

Apart from the obvious reason that a health insurance plan is a practical option for any future mishap, there are several benefits of getting a group health insurance

Icon

Skyrocketing Medical Expenses

Healthcare costs have been rising for decades and are expected to keep increasing.

Icon

Changing Lifestyle

Due to the current lifestyle, we are more likely to have ongoing health problems, having an insurance.

Icon

Need for Routine Medical Check-up and Care

Regular health check-up spending should be a habit

Icon

Possibility of Hospitalisation and Treatment

The group health insurance plan covers.

Need and Importance of Group Health Insurance

Group Insurance Policy proves to be a beneficial plan for both employers as well as employees. A good health policy full of useful features provides a helping hand when a medical issue is faced. Here are few importance why every employee /employer should have a Group Health Insurance plan.

For Employees
  • Financial Security

    In the event of a sudden illness or accident, the financial impact can be daunting. Having the security of group health insurance can let employees focus on recovery rather than worrying about medical expenses.

  • Boosts Employee Morale

    The customised group health plan reduces the the stress from the minds of the employees , thus encouraging them to perform better

  • Family Protection

    Many group health insurance plans extend their coverage to include health insurance plans for family members of the employee, thus, providing protection for their loved ones as well

  • Preventive Care

    To encourage a healthy lifestyle, many group health insurance plans also cover preventive care services such as health check-ups, vaccinations, and wellness programs.

  • Waiting Period on Pre-Existing Diseases is Zero days

    In case of pre-existing diseases, group health insurance typically covers the employee’s medical bills from the moment.

  • Claims Processing

    It is very beneficial for employees as their claims are handled on priority and the employee does not have to face much hassle.

For Employers
  • Retention of Employees

    Offering group health insurance can make an organisation more attractive to potential talent and can be a decisive factor for job seekers. It also aids in retaining current employees, who value the financial security it provides.

  • Tax Benefits

    Providing your group health insurance for employees allows the employers to get the perk of tax benefits

  • One of the Factors for Being Employee-Centric

    Many organisations are now shifting their focus from being company-centric to becoming employee-centric. This allows a sense of motivation among the employees and helps the company.

  • Employees Get a Sense of Security

    Employees are more likely to stay at the present company if the employers provide an attractive health coverage plan. This not only incentivizes the employees but also improves work experiences.

  • Enhanced Company Reputation

    Providing health insurance shows a commitment to employee welfare, enhancing the company's reputation as a responsible employer.

  • Increased Productivity

    Healthy employees are more productive, which can lead to an increase in overall business performance.

Key Benefits of Group Health Insurance Plan

The policy offers benefits for employees and their families:

  • Customised Healthcare

    Since the insurance cover is customised and provided to all group members ,all the dependent gets covered under the given sum assured plan starting from 1 lac

  • Affordable Premium

    One of the immediate benefit to the organisation is that they have to pay lesser premium in case of group health insurance

  • No Physical Health Check-up Required

    There is no pre medical required to determine the pre existing medical before purchasing a group health insurance plan

  • Network Hospitals

    Employees can receive treatment at any of the network hospitals nationwide, including esteemed institutions

  • Coverage Regardless of Age

    There is no age restrictions to get covered in group health insurance, Employees and his dependants are covered until they are part of the organisation

  • No Waiting Period

    Employees get immediate cover without any waiting period for specific disease and pre existing medical conditions.

  • Easy Claims

    Group health insurance policy for employees streamlines claims making it easy and hassle free

  • Addon Benefits

    Get access to Health Assistance Services that assists with health-related queries along with unlimited General Physician consultations

Our Preferred Plan

Explore a curated list of some of the "Best Individual Health Insurance Plans in India," presented by Bimasure. These plans are selected based on coverage benefits and eligibility criteria:

Icon

Health Infinity

  • Advantage with Reliance Health
  • 9100+ Cashless Healthcare Network
  • 3 Crore + Happy Customers
  • Hassle Free claims process

Coverage Benefits

  • Sum Insured option- 5 lakhs to 5 Cr
  • Cover that stays longer upto 13 months instead of 12 months
  • Limitless cover with Unlimited Restoration of Sum Insure and consumable
  • Reduction can be done In Pre existing and Specific Illness Waiting Period
  • Maternity Cover begins in just a Year
  • Hospital cash benefit
  • OPD cover
Icon

Health Infinity

  • Advantage with Reliance Health
  • 9100+ Cashless Healthcare Network
  • 3 Crore + Happy Customers
  • Hassle Free claims process

Coverage Benefits

  • Sum Insured option- 5 lakhs to 5 Cr
  • Cover that stays longer upto 13 months instead of 12 months
  • Limitless cover with Unlimited Restoration of Sum Insure and consumable
  • Reduction can be done In Pre existing and Specific Illness Waiting Period
  • Maternity Cover begins in just a Year
  • Hospital cash benefit
  • OPD cover
Icon

Health Infinity

  • Advantage with Reliance Health
  • 9100+ Cashless Healthcare Network
  • 3 Crore + Happy Customers
  • Hassle Free claims process

Coverage Benefits

  • Sum Insured option- 5 lakhs to 5 Cr
  • Cover that stays longer upto 13 months instead of 12 months
  • Limitless cover with Unlimited Restoration of Sum Insure and consumable
  • Reduction can be done In Pre existing and Specific Illness Waiting Period
  • Maternity Cover begins in just a Year
  • Hospital cash benefit
  • OPD cover
Icon

Health Infinity

  • Advantage with Reliance Health
  • 9100+ Cashless Healthcare Network
  • 3 Crore + Happy Customers
  • Hassle Free claims process

Coverage Benefits

  • Sum Insured option- 5 lakhs to 5 Cr
  • Cover that stays longer upto 13 months instead of 12 months
  • Limitless cover with Unlimited Restoration of Sum Insure and consumable
  • Reduction can be done In Pre existing and Specific Illness Waiting Period
  • Maternity Cover begins in just a Year
  • Hospital cash benefit
  • OPD cover

Inclusion and Exclusion in Group Health Insurance Plan

Explore your employee's well-being with comprehensive coverage – from medical consultations to wellness programs, we've got your squad covered. Explore list of details which will not be included under Group Health Plan

Icon

In-patient Hospitalisation

Coverage for medical expenses incurred during in-patient hospitalisation, including room charges, doctor's fees, and other.

Icon

Pre & post hospitalization Expenses

Reimbursement for medical expenses occurring before and after hospitalisation.

Icon

Cashless hospitalisation

Get Cashless hospitalisation at network hospitals

Icon

Day Care procedures

Coverage for medical procedure or surgeries that does not requires overnight hospital stay under corporate insurance.

Icon

Ambulance Cover

Coverage for ambulance charges required for transporting the insured individuals to the hospital in case of an emergency.

Icon

Organ Donor Expenses

Reimbursement for surgical expenses related to organ transplant procedures, including harvesting major organs.

Icon

Wellness Programs

Inclusion of wellness services, such as discounts on OPD expenses, diagnostics, pharmacy, and special programs for stress management, work-life balance.

Icon

Health Assistance Services

Eligibility for unlimited general physician consultations for routine health issues over the phone, providing convenient access to healthcare advice.

Icon

Pre-existing Diseases

Many policies have a waiting period or exclude coverage for pre-existing diseases for a specified duration.

Icon

Adventure Sport Injuries

Injuries resulting from engaging in adventure sports may be excluded from coverage

Icon

Self-Inflicted Injuries

Injuries intentionally caused by the insured individual may be excluded from coverage.

Icon

War and Defense Operations

Injuries or medical expenses arising from participation in war or defence operations may be excluded.

Icon

Congenital External Diseases, Defects, or Anomalies

Medical expenses related to congenital external diseases, defects, or anomalies.

Icon

Treatment for Alcoholism & Drug Abuse

Expenses related to the treatment of alcoholism, drug abuse, or any addictive condition may be excluded.

Coverage After Waiting Period

Benefit from coverage after specific waiting periods:

Waiting Period Duration
Initial Waiting Period 30-60 days
Pre existing Disease & Specific Disease waiting period These waiting period and the ailments vary from insurer to insurer

Frequently Asked Questions

Elevate your coverage with a higher sum assured health plan—ensuring comprehensive protection for your well-being and peace of mind.

Is Covid-19 covered under Bimasure GHP’s group health insurance policy?

Yes, The Group Health Insurance policy covers medical expenses related to Covid-19.

When should I get a group health insurance policy for my employees?

It is advisable to get a group health insurance policy for your employees as soon as your business starts hiring staff. This ensures that employees have access to health coverage from the beginning of their employment.

Our workplace has only 10 to 15 members. Can I still buy a group health insurance policy for them?

Yes, Group Health Insurance policies are designed to cater to businesses of various sizes, including those with a smaller workforce.

Who all can be covered in a group health insurance policy?

The policy typically covers employees of the organisation. Additionally, some policies allow the inclusion of family members of employees.

How to get the group health insurance for my small business?

You can contact Bimasure to discuss your business requirements and get assistance in choosing a suitable Group Health Insurance plan for your small business.

Can I have corporate health insurance and an individual health insurance policy at the same time?

Yes, individuals can have both corporate health insurance through their employer and an individual health insurance policy for additional coverage.

What are the limitations of group health insurance?

Limitations may vary, but common limitations include waiting periods for certain coverages, restrictions on pre-existing conditions, and specific exclusions related to certain treatments or conditions. It’s crucial to carefully review the policy terms and conditions.

How is group health insurance different from individual health insurance?

Group Health Insurance is provided to a group of individuals under a single policy, often by an employer to its employees. Individual Health Insurance is purchased by an individual for personal coverage.

What should employers look for when buying a group health insurance policy in India?

Employers should consider factors such as coverage options, network hospitals, claim settlement process, premium costs, and additional benefits when purchasing Group Health Insurance. A comprehensive policy that suits the needs of employees is essential.

Why should you take group health insurance for your employees?

Group Health Insurance helps in providing financial security to employees by covering medical expenses. It enhances employee satisfaction, aids in talent retention, and contributes to a healthy and productive work environment.