These days more and more companies are becoming employee-centric and every now-and-then introduce various benefits for employees’ betterment. Group insurance has emerged as one of the most preferred benefit. Group insurance ensures better health benefits for employees and increased employee satisfaction. Through this an employee can avail various benefits which are otherwise non-affordable in individual insurance policy. Being thoughtful for health and wellbeing of your employees and their families is one of the best motivators for your workforce
Apart from premium discounting for group, the policy can have various benefits which an employee cannot avail in retail health Insurance policy, few of them are illustrated below
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· Pre-Existing Diseases Coverage |
Any condition, ailment or injury for which Employee or Dependents were diagnosed or received medical advice/ treatment, prior to inception of your group policy can also be covered from day 1. |
| · No Waiting Period |
30 days waiting or 1st and 2nd year waiting for various diseases can be waived off and all the diseases can be covered from day 1 for all the employees or their dependents |
| · No Capping |
Any disease wise sublimit, room rent capping or co-pay can also be waived off under group health Insurance. Such waivers can be taken for cashless as well as reimbursement procedures |
| · Graded Sum insured Option |
Under one policy various Sum-Insured or coverage amounts can be opted. Single policy can have definition for coverage as per grade of employee or criteria defined by Companies |
| · Maternity Expenses |
Expenses arising for Maternity can be covered from day 1 with a limit of maternity benefit as high as INR 100,000 for Normal or C-section deliveries. |
| · Baby Cover from Day 1 |
Baby expenses arising due to delivery can be claimed within maternity limit of employee. But for expense of New Born baby apart from delivery complications can also be covered from day 1 |
| · Critical Illness Rider |
Optional Cover for Critical Illness is also available to provide employees full coverage for major ailments. This riders pays lump sump amount to employee for claims arising due to any major illness |
| · Corporate Buffer |
Some amount of Sum Insured can be opted as buffer by Employer so that in critical needs it can be allotted as extra benefit to employees in need. |
There are many more features like OPD treatment cover, day care procedure coverage, pre and post natal expenses of maternity, pre & post hospitalization expenses which can be added as per Employer’s requirement.
Addition or deletion of any feature can impact the group premium. For getting quotations for your organization please contact www.insurancemall.in at 022-3050 3050 / 022- 6724 2424
You can also email your queries to inquiries@insurancemall.in
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