Group Health Insurance

Customised Group Health Plans with
comprehensive wellness benefits for your
employees and their families.

*T&Cs apply

Empowering teams through comprehensive and affordable group coverage

group mediclaim cover
Group Health Insurance generally known as Group Medical Cover or Group Mediclaim Policy, which has become a safety measure for millions of Indians. As India gears up to become one of the most rapidly expanding insurance markets in the next decade, the significance of Group Health Insurance is expected to grow even further.

With the government mandating health insurance for all employees across companies post-COVID, the demand for Group Health Insurance is on the rise. These plans often offer coverage not only for employees but also extend to their spouses and dependent children, ensuring comprehensive protection for families.

What is Group Health Insurance?

Group Health Insurance (GHI) is a type of health insurance policy that offers coverage to a group of people, typically employees of a company or members of an organisation. It is a cost-effective and convenient way for employers to provide health insurance benefits to their employees, as the risk is spread across a group of individuals.

what is group health insurance

Key features of Group Health Insurance

Here are some key features of Group Health Insurance in India:

However, it’s important to note that specific features and coverage may vary depending on the plan chosen by the group or employer. Carefully reviewing the policy documents before enrolling is crucial.

Advantages of Group Health Insurance

Healthcare benefits can be highly valuable for both employers and employees. Here are some of the benefits of offering Group Health Insurance:

Attract and retain employees: Healthcare benefits can be a significant factor in attracting and retaining employees. By offering comprehensive health insurance coverage, employers can demonstrate their commitment to the well-being of their employees.
Reduced absenteeism and improved productivity: When employees have access to healthcare services, they are more likely to seek treatment for medical issues, reducing the likelihood of missed workdays due to illness. This can lead to improved productivity and reduced costs associated with absenteeism.
Access to affordable healthcare: Group Health Insurance benefits can provide access to affordable healthcare for employees and their families. This can help to alleviate financial stress related to medical expenses and ensure that employees are able to access the care they need.
Improved employee morale and job satisfaction: When employees have access to comprehensive health insurance benefits, they are more likely to feel valued and appreciated by their employer. This can lead to increased morale and job satisfaction, which can have a positive impact on productivity and retention.
Overall, offering healthcare benefits can be a win-win for both employers and employees. Employers can attract and retain employees, improve productivity and morale. Employees can access affordable healthcare, and feel valued and supported by their employer.

What’s covered in Group Health Insurance?

  • Room charges: Depending on the plan, it may cover various room categories (single, twin, etc.)
  • Doctor fees: Consultation charges by specialists and surgeons within network and non-network hospitals.
  • Nursing care: Charges for nursing services during hospitalisation.
  • Diagnostic tests: Coverage for necessary X-rays, blood tests, and other diagnostic procedures.
  • Operation theatre charges: Costs associated with surgical procedures.
  • Pre-hospitalisation: Diagnostic tests, consultations, and medications in a certain period before hospitalisation. Typically, this is covered as mentioned in the health insurance policy.
  • Post-hospitalisation: Medications, physiotherapy sessions, and follow-up consultations for a specific period after discharge. Typically, this is covered for as mentioned in the health insurance policy.
  • Day care procedures: Day care treatment refers to medical treatment, and/or surgical procedure which is undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hrs.
  • Ambulance cover: Transportation costs by ambulance to the hospital in case of emergencies may also be covered based on the policy terms and conditions.
  • Pre-existing conditions: Depending on the plan, coverage for pre-existing conditions may be available.
  • Psyciatric illnesses: Hospitalisation for treatment of psychiatric illnesses if necessitated is covered.

Additional inclusions (vary by plan):

  • Maternity benefit: Covers prenatal, delivery, and postnatal care expenses.
  • Newborn baby cover: Offers coverage for specific medical expenses of the newborn child generally up to 90 days.
  • Organ donor cover: If you donate an organ, some plans cover your medical expenses.
  • AYUSH treatment: Cover for traditional Indian medicine like Ayurveda, Yoga, Unani, Siddha and Homeopathy might be included in some plans.

What’s not covered in Group Health Insurance?

While Group Health Insurance offers valuable protection, it’s essential to understand what is not covered. Here are some common exclusions:

Cosmetic and aesthetic treatments
Dental and vision care
Outpatient expenses
Normal childbirth and routine pregnancy expenses
Experimental or investigational treatments
Self-inflicted injuries and intentional harm
Addiction treatment
Remember: Exclusions can vary significantly depending on the specific plan and insurance company. Always thoroughly review the policy document to understand what is excluded before enrolling.

How to apply for a claim in Group Health Insurance?

Cashless Claim

Cashless requests can be of two types :

  • Planned
  • Emergency

Before raising a request for cashless, one needs to confirm the network status of the hospital. The same can be readily seen in the Onsurity Super App. Log on to the Onsurity Super App using the registered mobile number. Under ‘Health Insurance’ please go to ‘Hospitalisation Assistance’. Click on ‘View Hospitals’ which displays a page. One may enter the hospital name, city, or pin code and search for the hospital.

Planned Cashless Request

Emergency Cashless Request

In case of emergency, one is requested to reach the nearest hospital as it is the priority of the moment.

Reimbursement Claim

Disclaimer: Onsurity acts as a group administrator, offering support during cashless requests and claims reimbursement processes. However, the ultimate authority for the approval, validation, and payment of claims lies with the insurance company. Additionally, the list of hospitals within the network is subject to change and is updated periodically. Therefore, it is advisable to verify the availability of cashless services by inquiring at the hospital’s insurance counter before admission, to prevent any unforeseen complications.
types of group insurance

Types of Group Insurance

Companies can offer various types of group insurance plans to their employees. Below are some of the most common types of group insurance plans available in India.

  • Group Health Insurance:This covers the medical expenses of all employees in a company. Typically, the employer pays for the insurance, but the cost is often factored into the employee’s overall compensation or CTC (Cost-to-Company).
  • Group Term Life Insurance:This policy pays a fixed sum assured to the nominee in case of the employee’s death. Employees can add the nominee at the time of onboarding.
  • Group Personal Accident Insurance:This is a type of insurance that provides financial compensation in case of injury or death due to accident of the policyholder.

Why choose Onsurity as your Group Health Insurance partner?

Group Health Insurance
Ensure easy cashflow with monthly subscription-based plans that don’t require you to pay a lump sum upfront, covering teams as small as 3 with monthly subscriptions starting at Rs. 145 per employee.
Group Health Insurance
We don’t just offer insurance, but comprehensive healthcare and wellness plans to ensure your team is fully covered.
Group Health Insurance
More than 5,000 businesses trust Onsurity with their team’s healthcare needs.
Group Health Insurance
Experience a seamless and efficient claims process with Good Doctors, our dedicated claims support team, who assist you in facilitating the claim process at every step.