Protect Your Employees & Their Families
Group Health Insurance helps organizations provide healthcare protection to employees and, where applicable, their eligible dependents under a single group policy.
It can help businesses support employee well-being while reducing the financial burden associated with eligible medical and hospitalization expenses.
Get Group Health Quote
What Is Group Health Insurance?
Group Health Insurance is a medical insurance policy purchased by an employer or organization to provide healthcare coverage to its employees.
Depending on the selected policy, eligible family members may also be included. Coverage, exclusions, waiting periods, limits and benefits depend on the insurance plan and policy terms.
- Employee healthcare protection
- Hospitalization expense coverage
- Cashless treatment at network hospitals
- Customizable business health plans
- Family coverage options
- Financial support during medical emergencies
Benefits of Group Health Insurance
A suitable group health plan can provide valuable healthcare protection for employees while supporting an organization’s employee benefits program.
Employee Medical Protection
Provides eligible employees with financial support for covered hospitalization and medical treatment expenses.
Employee Retention
Health insurance can strengthen an employee benefits package and support employee satisfaction and retention.
Customizable Coverage
Businesses can select coverage and additional benefits based on employee requirements and available budget.
Cashless Hospitalization
Employees may access eligible cashless treatment at participating network hospitals, subject to policy conditions.
Family Protection
Selected plans may allow employees to include eligible spouses, children or dependents.
Better Workplace Benefits
Group health insurance can add meaningful healthcare protection to an organization’s overall employee benefits program.
What Does Group Health Insurance Cover?
Coverage varies by insurer and policy. Common benefits can include the following.
Hospitalization Expenses
Eligible hospitalization expenses such as room charges, medical treatment and specified procedures may be covered according to the policy.
Day Care Procedures
Specified procedures that do not require 24-hour hospitalization may be covered under eligible policy benefits.
Pre & Post Hospitalization
Certain eligible medical expenses before and after hospitalization may be covered for the period specified in the policy.
Ambulance Expenses
Some plans provide coverage for eligible ambulance transportation subject to applicable limits.
Maternity Benefits
Employers can select group plans that provide maternity benefits where available and applicable.
Additional Benefits
Depending on the plan, additional healthcare, wellness or specified disease-related benefits may be available.
Types of Group Health Insurance Plans
Organizations can choose a plan based on workforce size, employee requirements and available benefits.
Corporate Group Health Insurance
Designed for companies that want to provide healthcare coverage to their employees under a group insurance policy.
Employee + Family Health Insurance
Allows eligible employees to receive coverage for themselves and selected family members where the policy permits.
SME Group Health Insurance
Suitable for small and medium-sized businesses looking for employee healthcare protection within their budget.
Group Health Insurance With Maternity
Selected group policies may include maternity benefits for eligible employees and dependents, subject to policy terms.
Benefits for Employers & Employees
Group health insurance can provide value to both the organization and its workforce.
Advantages for Employers
- Strengthens the employee benefits package
- Supports employee satisfaction
- Helps attract and retain talent
- Provides centralized policy administration
- Can offer customizable coverage options
- May provide applicable tax advantages according to prevailing laws
Advantages for Employees
- Access to eligible healthcare protection
- Reduced financial burden from covered medical expenses
- Access to network hospitals
- Potential family coverage options
- Employer-sponsored healthcare benefits
- Support during eligible medical emergencies
Who Should Consider Group Health Insurance?
Group health insurance can be considered by organizations of different sizes and industries.
Startups
Small Businesses
Medium Enterprises
Large Corporations
IT Companies
Manufacturing Companies
Service Businesses
Corporate Offices
Factors to Consider Before Choosing a Plan
Compare the complete policy instead of looking only at the premium.
Number of Employees
Consider the total employee strength and the number of people who will be covered.
Sum Insured
Select appropriate coverage considering healthcare costs and employee requirements.
Hospital Network
Check whether suitable hospitals are available within the insurer’s network.
Maternity Benefits
If required, check maternity coverage, waiting periods and applicable benefit limits.
Family Coverage
Review whether spouses, children or other eligible dependents can be included.
Claim Support
Consider the insurer’s claim service, network and support process.
Important
Group health insurance benefits, exclusions, waiting periods, room-rent limits, co-payments, sub-limits, maternity benefits and claim conditions vary by insurer and policy. Always review the policy wording and schedule before purchase.
Group Health Insurance Premium Calculator
Get an illustrative estimate based on employee count, coverage and selected benefits.
Estimated Annual Group Premium
Get a Group Health Insurance Quote
Share your basic company requirements and our team can contact you regarding suitable group health insurance options.
By submitting this form, you agree to be contacted regarding your Group Health Insurance enquiry.
How to Get Group Health Insurance
A simple process to explore group healthcare coverage for your organization.
Share Requirements
Provide basic information such as employee count, desired coverage and additional benefits.
Compare Options
Review available plans, coverage limits, benefits and applicable policy conditions.
Select Coverage
Choose the plan that best matches your organization’s healthcare requirements.
Complete Documents
Provide the required employee and company information for policy processing.
Policy Processing
The selected insurer reviews the information and processes the group policy.
Employee Coverage
Eligible employees receive access to benefits according to the issued group policy.
Group Health Insurance FAQs
Frequently asked questions about group medical insurance for businesses.
Protect Your Team With Group Health Insurance
Give your employees access to healthcare protection while strengthening your organization’s employee benefits program.
Get a Group Health Quote