Loading…
Buying cover for a team means meeting a lot of jargon — sum insured, co-pay, waiting periods, TPAs, GMC vs GPA vs GTL. This is the map: the definitions, comparisons and guides that explain how employee insurance actually works, each in plain language.
Explore group health insuranceStart with the terms that change what you pay and what your employees get. Each links to a plain-English explainer.
The maximum a policy pays in a year — and how to size it for your team.
Read more →The share of a claim the employee pays while the insurer covers the rest.
Read more →When pre-existing and specific conditions become claimable.
Read more →The daily room-charge cap, and why it quietly scales every other bill.
Read more →How the insurer settles hospital bills directly at network hospitals.
Read more →The intermediary that processes cashless approvals and claims.
Read more →How conditions employees already have are covered in group plans.
Read more →Affordable extra cover stacked above a deductible threshold.
Read more →The tax deduction on health-insurance premiums for company and staff.
Read more →Hospitals with cashless tie-ups — how they work for your team.
Read more →Browse the full libraries: Group health terms explained and the A–Z insurance glossary.
The decisions employers actually weigh — which group covers you need, and how private cover sits alongside statutory schemes.
The three group covers a company needs — and what each one actually pays for.
Read more →What statutory ESI covers, and where a private GHI plan fits.
Read more →Why group cover is cheaper, day-1 and no-medical-test versus a retail policy.
Read more →Decision-ready guides that turn the concepts into a plan you can buy and run.
The 2026 legal position — ESI thresholds, IRDAI guidance and voluntary cover.
Read more →Maternity, OPD, top-up, critical illness — building a plan by stacking riders.
Read more →How a super top-up over a deductible affordably raises total cover.
Read more →Longer reads that unpack a single concept end to end.
A side-by-side look at cost, eligibility and cover for the two models.
Read more →Out-patient versus in-patient care, and how each is covered.
Read more →What the TPA desk does at admission, and how it unlocks cashless treatment.
Read more →How group cover saves tax for your company and your employees.
Read more →Ayushman Bharat, ESIC and state schemes — and where private cover complements them.
Read more →GMC (Group Medical Cover, also called group health insurance) pays for hospitalisation and medical treatment. GPA (Group Personal Accident) pays a lump sum for accidental death or disability. GTL (Group Term Life) pays the nominee a fixed sum assured if an employee dies from any cause. Most companies layer all three — see our GMC vs GPA vs GTL comparison for a side-by-side.
The sum insured is the maximum amount the policy will pay for covered claims in a policy year. In a floater plan it is shared across an employee and their dependents. Sizing it correctly — against local hospitalisation costs and your team profile — is one of the most important plan-design decisions.
Corporate group plans usually offer day-1 cover with no waiting period for hospitalisation and often waive pre-existing-disease and specific-illness waiting periods that apply to retail policies. The exact terms depend on your plan design, so confirm them before you buy.
Yes. Premiums a company pays for group health insurance are generally treated as a business expense, and employee-paid premiums can qualify under Section 80D. Read our explainer on the tax benefits of group health insurance for the details.
Now that the concepts are clear, get a personalised group health insurance quote for your team — starting ₹145 per employee per month.