Group Health Insurance
Take care of your team, at a lower cost per head.
Group health insurance covers employees, and often their families, under a single company policy. It helps you attract and keep good people at a lower cost per head than individual plans, with cover from day one.
- Group size
- From 7 employees
- Waiting period
- Usually none
- Family cover
- Spouse, children, parents
- Premium
- Deductible business expense
Choose the group health insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Group mediclaim
Hospitalisation cover for employees and families.
Group top-up
Extra cover above the base group policy.
Group term life
Life cover for employees as a benefit.
Group personal accident
Accident cover for your workforce.
Why people choose our group health insurance advice
- Cover from day one
- Pre-existing diseases covered
- Maternity benefits available
- Customisable for your budget
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Employee hospitalisation
- Maternity and newborn cover
- Family member cover
- Wellness and tele-consultation benefits
- Startups and SMEs
- Companies with 7 or more employees
- Businesses replacing medical reimbursements
- Cover ends when an employee leaves
- Room rent and sub-limits as per the policy
- Non-medical expenses
Group Health Insurance premium: what decides it?
Two people buying the same group health insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Group Health Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Employee List with Age & Family Details
Document Proof
7 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Employee List with Age & Family Details
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Offer a family floater option; employees value it highly.
- 2Add a voluntary top-up employees can buy themselves.
- 3Review claims data at renewal to negotiate better premiums.
Group Health Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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