The health of employees has direct bearing on the health of any organization. Group Health provides complete corporate health solutions for your organization to keep you from worrying about financial risks of your employees due to health problems.
These customized policies include insurance to employees and their families in the unfortunate event of illness and hospitalization.
It covers the following:-
Group Health insurance provides significantly better benefits than individual health insurance. For example, employees or group members do not require a medical checkup, waiting periods for existing diseases can be waived off, premiums are lower, maternity expenses or corporate floaters can be added to the cover. Group Health Insurance is an excellent tool to attract and retain talent for organizations.
In group insurance policies, the risk is spread over a large group of individuals and that helps reduce the premium cost due to the economies of scale. However, the premium can be highly variable for group health insurance due to claim ratio and number of employees/members added to or removed from the cover.
You can customize the policy according to your needs. You can add more benefits apart from the basic policy provisions already available in any mediclaim policy. For example, parents can be covered, day care treatments can be increased, accidental cover rider and maternity benefits can be increased. This flexibility allows the group health insurance to be tailored to your budget with your specific requirements.
As there is no medical checkup prior to the issuance of the policy and no waiting period clause for pre-existing ailments, the issue of group health insurance is assured. Group mediclaim is administratively much easier to place and you need not spend time in medical checks or in dealing with the aftermath of insurance getting rejected.
To get the tentative quotation for the Group health insurance of your employees, please follow the below mentioned 5 easy steps:-
Following documents are needed to avail group health insurance:-
Cashless claims are filed directly by the network hospital with the TPA (Third Party Administrator) of the group health insurer or the insurer. They need to submit the following documents for the claim:-
You can get quotes for your organisation/group personal accident insurance plan online with few clicks, by following these steps:
Following documents are needed to avail group personal accident insurance:
Group personal accident insurance is a part of group insurance family, to check other Group Insurance Policies check here.
Cashless claims for the medical treatment can be filed directly by the network hospital with the TPA (Third Party Administrator) of the group health insurer or the insurer. However, the documents to be submitted for other types of claims under Group Personal Accident Insurance will be as follows:-
Permanent Total/Partial Disablement :-
In Case of Temporary Total Disablement Claim: :-