Note :

Group health insurance plan is offered by the employer to the employee to form a group insurance. Group health insurance benefits both employee and employer who offered. Since it covers both employee and employer in a group, it is called as group health insurance plan. It is the affordable health insurance plan which can be obtained by the employer and employee on different insurance amount and premiums. The cost of premiums will differ from one insurance policy to another.

A group health insurance plan provides cover to all the members in a single policy. There are several advantages over buying an individual policy, which are:-

-  Lower Premium Costs
-  Customized Policy
-  Cover for all members
-  Cashless Claims across Network Hospitals
-  Provides Incentive for having affiliation with the group.
-  Cover From Day One of member joining the group.

Coverage:

-  Hospitalization expenses due to Sickness or Accidents.
-  Including Room,Boarding Expenses as provided by the Hospital / Nursing Home;
-  Nursing Expenses;
-  Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees;
-  Anesthesia, Blood, Oxygen, Operation theatre Charges, Surgical Appliances, Medicines and Drugs, Diagnostic
-  Materials and X-Ray, Dialysis, Chemotherapy
-  Pre Hospitalization Expenses
-  Post Hospitalization Expenses
-  Domiciliary Hospitalization Expenses
-  Day Care Treatments
-  Reimbursement of Ambulance Costs
-  Optional Coverage
-  Maternity Benefit
-  Inclusion of Pre Existing Disease
-  Reimbursement of Cost of Health Check Up
-  Family Floater to covers member's immediate family viz. Spouse, Dependent Children, Dependent Parents etc.
-  Dental Treatment
-  Cost of Spectacles, Contact lenses
-  Waiver of waiting period Waiver of First Second and Third Year Exclusions