Group Health Insurance for Employees Great Health Coverage.
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Know your policy
Everything you need to know
What is GHI?
Group health insurance is a comprehensive health coverage solution designed for your entire team, all under one unified plan.
It enables employers to offer medical protection not just to employees, but also to their families at a significantly reduced cost. It provides access to quality care, supports well-being, and helps reduce out-of-pocket medical expenses.
Why Your Team Needs It
Good healthcare coverage is one of the top reasons talent picks — and stays with — an employer. Without it, employees pay out of pocket for even routine hospital visits, which hurts morale and retention.
GHI helps you attract better candidates, cuts absenteeism from untreated health issues, and shows your team you genuinely care about their wellbeing — not just their output.
Know your policy
Understand your insurance before buying
What's Covered
Hospitalization & Surgeries
In-patient treatment and surgery for 24+ hours, up to the sum insured
ICU & Room Rent
Covered up to the room-rent limit chosen for your plan
Pre And Post-Hospitalization
Medical costs before and after hospitalization included
Daycare Procedures
Same-day treatments covered under your policy
Emergency Treatments
Emergency admissions covered, plus road ambulance up to the plan limit.
Key Benefits
Rising Medical Costs
Covers High-Value Treatments Beyond Base Limits
Cost-Effective
Large Coverage At A Small Top-Up Cost
Peace Of Mind
Financial Protection During Major Health Events
Better Benefits
Adds Value To Your Existing Group Health Plan
GHI: Your Team's Health, Simplified
Two Ways to Claim
Cashless: Available at network hospitals. Requires pre-auth form and ID. Reimbursement: Pay first, claim later with original bills (online portal, scanned copies).
Claim Timelines
Planned treatment: inform the insurer/TPA before admission. Emergency: within 24 hours of admission. Under IRDAI's 2024 rules, cashless requests must be decided within 1 hour and final discharge approved within 3 hours. Submit reimbursement documents within the period stated in your policy (commonly 15–30 days).
Must-Have Documents
Health card, government ID, hospital bills, discharge summary, prescriptions, tests.
Avoid Rejection By
Keeping original documents, using network hospitals, and knowing policy limits (e.g., room rent caps, exclusions).
FAQs
It covers all insured family members under a single sum insured, which is the maximum claim limit for all members combined.
Usually 30 days before and 60 days after hospitalisation (longer on some plans), for the same illness.
A condition diagnosed or treated within 36 months before the policy starts. Individual policies apply a waiting period, but most group health policies can cover pre-existing conditions from day one.
Cashless is guaranteed at network hospitals. Under the General Insurance Council's "Cashless Everywhere" initiative, many insurers also allow cashless at non-network hospitals if you inform them in advance (typically 48 hours before planned admission, or within 48 hours of an emergency).
Check the hospital list on your insurer's or TPA's website or app, or ask us. For emergencies, ask the hospital's insurance/TPA desk.
- Doctor's home visits, attendant/nursing charges (except domiciliary care).
- Irrelevant tests/treatments, private nursing, referral fees, outstation doctor fees.
- Genetic disorders, stem cell treatments.
- External/durable medical equipment (e.g., CPAD, braces, glucometers, etc.).
- Non-medical/personal comfort items (e.g., TV, phone, toiletries, cosmetics, baby food).
- Obesity treatments or weight control programs.
- Injuries from hazardous activities (e.g., scuba diving, racing, climbing).
- Treatment at convalescent homes, health resorts, or similar centers.
- Group policies can often buy back some exclusions (e.g. maternity)
Yes, parents can be included under a Group Health Insurance policy, depending on the plan and insurer. Coverage and applicable terms may vary.
Some Group Health Insurance plans provide maternity coverage from day one. This depends on the policy, insurer, and applicable maternity benefits.
The employee's coverage generally ends when they leave the organisation, as per the policy terms. In some cases, migration or individual coverage options may be available.
New employees can usually be added during the policy period by submitting their required details to the insurer. Coverage starts as per the policy terms.
A room-rent limit is the maximum amount covered by the policy for a hospital room per day. Choosing a room above the limit may result in additional out-of-pocket expenses.