Group Health Insurance Policy

What is Group Health Insurance?
A Group Health Insurance is a type of health insurance plan that covers for a group of people who work under the same firm/ company /organization. This is often offered as a valuable benefit for employees as the premium for the same is borne by the employer. The group health insurance coverage can be extended to the family members of the employees in some cases. This insurance plan is also referred to as corporate health insurance or employee health insurance.

What this policy pays to Insured?
If during the policy period insured person is required to be hospitalized for treatment of an Illness or Injury at a Hospital/ Day Care Centre following Medical Advice of a duly qualified Medical Practitioner, the Company shall indemnify medically necessary expenses towards the Coverage mentioned in the policy schedule.

Provided further that, any amount payable under the policy shall be subject to the terms of coverage (including any co-pay, sub limits), exclusions, conditions and definitions contained herein. Maximum liability of the Company under all such Claims during each Policy Year shall be the Sum Insured (Individual or Floater) opted specified in the Schedule.

What is covered in this policy?
Hospitalization (24 consecutive hours as in-patient treatment)
AYUSH
Domiciliary Hospitalization / Treatment
Day Care Procedures
Pre-Hospitalization
Post-Hospitalization

What are the Extensions available in this policy?
Pre-Existing Disease Waiting Period Waiver
Specific Waiting Period Waiver
Initial Waiting Period for Hospitalization Waiver
Obesity/ Weight Control Expenses Extension
Change-of-Gender Treatments Expenses Extension
Cosmetic or Plastic Surgery Expenses Extension
Hazardous or Adventure Sports Expenses Extension
Sterility and Infertility Treatment Expenses Extension
Maternity Expenses Extension with Baby-Day-One Cover
OPD Expenses Extension
Maternity OPD Expenses Extension
Global Coverage
Non-medical Expenses Cover

What are the Add-On Coverages available in this policy?
Critical Illness
Additional Ambulance Charges
Corporate Buffer
Organ Donor Expenses
Top up Cover
Super Top up Cover
Hospital Daily Cash Cover
Restoration of Sum Insured
Wellness Benefits
Emergency Assistance Services
Accident Benefit Cover
Dental Treatment Cover
Medically Advised Support Devices
Benefit Cover for Pandemic/Epidemic Diseases (including COVID-19)
External Congenital Ailment Cover