Group Health Insurance
Better healthcare benefits for your employees. Better protection for their families.
Group Health Insurance provides medical coverage to employees and, where opted, their family members under a single corporate health insurance policy. It helps businesses provide meaningful healthcare benefits while helping employees and their families manage the financial impact of hospitalisation and medical treatment.
Group Health Insurance provides medical coverage to employees and, where opted, their family members under a single corporate health insurance policy. It helps businesses provide meaningful healthcare benefits while helping employees and their families manage the financial impact of hospitalisation and medical treatment.
Compare Group Health plans from leading insurers.
We work with leading insurers
across General, Health and Life Insurance
What can Group Health Insurance cover?
Depending on the plan selected, your policy can include:
Hospitalisation Expenses
Medical expenses arising from covered hospitalisation due to illness or injury.
Pre & Post Hospitalisation
Eligible medical expenses incurred before and after hospitalisation.
Day Care Procedures
Specified medical or surgical procedures that can be completed without 24-hour hospitalisation.
Pre-existing Diseases
Pre-existing medical conditions can be covered from Day 1, depending on the policy terms.
Maternity Benefits
Maternity expenses can be included with customised limits and conditions.
Newborn / Baby Day 1 Cover
Coverage for newborn babies from Day 1 can be included, subject to the selected benefit structure and policy terms.
Parents / Parents-in-law Cover
Companies can choose to extend coverage to employees' dependent parents or parents-in-law.
Cashless Hospitalisation
Employees can access cashless treatment at the insurer's network hospitals, subject to policy terms and authorisation.
Corporate Buffer
An additional pool of coverage can be structured to support eligible high-value claims beyond an employee's base sum insured, subject to agreed conditions and utilisation rules.
Employee Movements
Add new employees and eligible dependants or remove exiting employees during the policy period, subject to policy terms and applicable premium adjustments.
Build the cover around your employees
Every organisation is different. Your Group Health Insurance policy can be structured around your workforce and budget.
You can customise:
- Sum insured per employee/family
- Employee-only or family coverage
- Parents / parents-in-law coverage
- Maternity and newborn benefits
- Room rent limits
- Co-payment and deductibles
- Disease-specific limits
- Corporate buffer
- OPD and wellness benefits
- Waiver/reduction of applicable waiting periods
- Other policy-specific benefits and extensions
From policy design to claims — we stay involved
Our role doesn't end when the policy is issued. PolicyNation's corporate insurance team supports your HR team and employees through policy administration, endorsements, additions and deletions, cashless coordination, claims assistance and renewal.
Policy Design
Benchmark benefits, limits, insurer options and premium.
Employee Administration
Support additions, deletions, endorsements and policy changes.
Claims Support
Assistance with cashless requests, reimbursements and claim coordination.
Renewal Management
Review claims experience, utilisation, benefits and insurer options before renewal.
Why choose Group Health Insurance?
Attract and retain talent
A good health insurance programme is an important part of an employee benefits package and helps demonstrate that your organisation values employee wellbeing.
Reduce the financial impact of medical expenses
Employees and their families get financial support when faced with unexpected hospitalisation and medical treatment.
One policy for your workforce
Instead of employees arranging individual policies separately, the organisation can provide structured health benefits under one group programme.
Flexible benefit design
The cover can be designed according to employee demographics, company requirements and available budget.
Already have a Group Health Insurance policy?
We can review your existing policy and help you understand:
- Whether your current coverage is adequate
- Room-rent restrictions, co-payments and disease-wise sub-limits
- Claims experience and claim ratio
- Employee utilisation
- Network hospital requirements
- Opportunities to improve benefits
- Premium and insurer options at renewal
Share your existing policy with us and our corporate insurance team can review it.
Frequently Asked Questions
Depending on the policy structure, coverage can include employees and their spouse, children, dependent parents or parents-in-law.
Need help designing the right employee health plan?
Our corporate insurance team can help you evaluate your employee demographics, existing benefits, claims experience and budget to structure an appropriate Group Health Insurance programme.
Coverage, benefits, exclusions and eligibility are subject to the terms and conditions of the policy issued by the insurer.