Group Health Insurance

  • Buy Group Health Insurance in india

Employees are the most valued asset for every organization. Now a day’s more & more companies are becoming employee-centric and are concerned about well -being of their employees. With increasing day to day expenses it is difficult for the employees to maintain their routine expenses, monthly rentals, loan repayments, education of children and other expenses. In case of unforeseen medical emergencies, medical treatment becomes unaffordable and due to cost concerns even employers find it difficult to reimburse these costs. Therefore Group health insurance has emerged as one of the most preferred benefit for employee and their immediate family. As taking individual insurance policy is very expensive, Group Mediclaim policy is ideal solution to cover large number of employees against unforeseen medical emergencies. Group medical insurance for employees offers add on cover benefit like Maternity cover, options to cover spouse, children, parents and dependant siblings of employees, critical illness cover and much more Expenses can be claimed cashless where under the network hospitals claims are paid by insurance  company  or  through  reimbursement  where  employees  pays  and  then  insurance companies will reimburse after submitting the claim documents. Group Health Insurance from Insurance Manager offers all this at a nominal premium. It not only offers coverage against the unforeseen health concerns but also delivers preventive health solutions.

Plan Coverage

  • In Patient Treatment> 24 hours
  • Pre-existing disease
  • Pre and Post Hospitalization
  • Domiciliary Hospitalization Expenses
  • Reimbursement of Cost of Health Check Up
  • All day care procedure
  • Family Floater to covers member’s immediate family viz. Spouse, dependent Children, dependent Parents etc.
  • Maternity Benefits
  • Dental Treatment
  • Cost of Spectacles, contact lenses
  • Waiver of waiting period
  • Waiver of First Year Exclusions
  • Reimbursement of ambulance Costs
  • Baby Day One Care
  • Vaccination Benefits
  • Increased room rent limits
  • Corporate Buffer
  • Out-patient Treatment (OPD Card)
  • Root canal surgery
  • In hospitalization expenses due to Sickness or Accidents
    • Including Room, boarding Expenses as provided by the Hospital / Nursing Home;
    • Nursing Expenses;
    • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees;
    • Anesthesia, blood, Oxygen, Operation theatre Charges, Surgical Appliances, Medicines and drugs, diagnostic Materials and X-Ray, dialysis, Chemotherapy

Major Exclusions

  • If the appropriate waiver is not opted for, then the policy will not cover:
  • Treatment of pre-existing illnesses
  • Any treatment for illnesses/diseases within the first 30 days of the policy, unless due to an accident
  • Treatment of specified illnesses for the first year of the policy
  • Certain diseases like hernia, cataract, piles, sinusitis etc are excluded during the first year of operation of insurance cover
  • Any claim arising out of or traceable to pregnancy
  • Ayurvedic, Homoeopathy, Naturopathy or any other form of local medication
  • Alcoholism, drug abuse and AIDS
  • Dental treatment or surgery, unless requiring hospitalisation  Cost of spectacles,
  • Vaccination and inoculation
  • Cosmetic treatment

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