GROUP HEALTH INSURANCE
GROUP HEALTH INSURANCE
Group Health Insurance is a type of health insurance plan that covers for a group of people who work under the same organization. This is often offered as a valuable benefit for employees as the premium for the same is borne by the employer. The group health insurance coverage can be extended to the family members of the employees in some cases. This insurance plan is also referred to as corporate health insurance or employee health insurance.
Advantages of GROUP HEALTH INSURANCE
Better Benefits
Our group health insurance plan offers pre-existing diseases and maternity from day 1. Medical checkups are not needed, waiting periods are waived, and exclusive benefits like corporate buffer are offered.
Lower Cost
Affordable group health insurance cover for employees and their families. Costs are much lower than health insurance bought individually because we negotiate bulk discounts with insurers.
Customized Cover
We can customize employee health insurance policy to your budget and requirements. For example, parents, spouse or up to 3 children can be included. Maternity cover or OPD benefits can be introduced.
Guaranteed Issue
All employees and their dependents are assured cover, even if they have medical conditions such as diabetes, blood pressure under our group insurance plan. No medical test or prior claim history is asked for.
Query?
FAQ
General Question
Yes. Cashless claims service will be available at all network hospitals of the respective insurer. Typically, each insurer has more than 3000 hospitals on their network across the country. To avail the cashless facility, you need to show your insurance cashless card or your policy copy at the TPA helpdesk in any of network hospital.
Yes, under group health insurance policy, insurance company reimburses expenses even if the insured member does not use the network hospital. To get your reimbursement, you need to submit your medical bills along with other documents as specified by the insurance company.
Reimbursement is not provided beyond the sum insured specified in the Group Health Insurance Policy. You could consider an additional benefit called, Corporate Buffer, which could be utilized by an employee if his or her sum assured gets exhausted.
Documentation plays very important role while making the claim. If we submit the correct documents, claim get settled easily. Few common documents while filing the claim in case of group health insurance policy are respective claim form signed by hospital/doctor, investigation report, final bill with breakup, medical reports and doctors prescription. All the documents needs to be submitted in original.