Group Health Insurance

Group Health Insurance

PolicyandFunds.com we are one of the top Group Insurance Policy Agent in Chennai, India, Employees Group Mediclaim Policy Agent in Chennai, India. We have listed our Contact number in Website and Location in Chennai to serve better. We are helping to choose perfect and best Employee Health Insurance Policy in Chennai,  and can find us by various searching on the website Employee Group Insurance Policy in Chennai, Group Mediclaim Insurance Policy for Employees, Health Insurance for employees small business, with the Top Insurance Company, like Star Health Group Insurance Policy.

 

Group Health Insurance Policy / Medical Insurance for Employees in India

A group or corporate health insurance policy will be usually purchased by the company for their employees. The main benefit of the group Health Insurance is that it will not only cover health benefits for the employee but also it will cover the health benefits for the family members too. The coverage depends on policies that we choose. Some policy may give you coverage for the boarding expenditure apart from the consultation and the surgeon fees. Some may offer cashless facilities and full bill payment in the hospitals.

Some of the other offers of the group health policies are: For specific period of time they might offer you an pre and post hosptalisation charges. Some may even offer maternity benefits. They have an option to extend the coverage for certain critical ailments. Some may cover domiciliary expenses. There are many companies that will provide you with the Group Health Insurance in India.
 

List of Top Group Health Insurance/Mediclaim Policy Companies in India
Star Health and Allied insurance Co Ltd – Group Health/Mediclaim Insurance Policy Apollo Munich Health Insurance Company Limited – Group Health/Mediclaim Insurance Policy HDFC ERGO General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy
Bajaj Allianz General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy ICICI Lombard General Insurance Co. Ltd – Group Health/Mediclaim Insurance Policy Reliance General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy
National Insurance Co Ltd – Group Health/Mediclaim Insurance Policy The New India Assurance Co Ltd – Group Health/Mediclaim Insurance Policy The Oriental Insurance Co. Ltd – Group Health/Mediclaim Insurance Policy
United India Insurance Co Ltd – Group Health/Mediclaim Insurance Policy Future Generali India Insurance Company Ltd – Group Health/Mediclaim Insurance Policy Cigna TTK – Group Health/Mediclaim Insurance Policy
Iffco Tokio General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy Royal Sundaram Alliance Insurance Co Ltd – Group Health/Mediclaim Insurance Policy Tata AIG General Insurance Co. Ltd. – Group Health/Mediclaim Insurance Policy
Cholamandalam MS General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy SBI General Insurance Company Ltd – Group Health/Mediclaim Insurance Policy MAX Bupa Health Insurance Company Ltd – Group Health/Mediclaim Insurance Policy
Religare Health Insurance Co Ltd – Group Health/Mediclaim Insurance Policy L & T General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy Bharti AXA General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy
Universal Sompo General Insurance Co Ltd – Group Health/Mediclaim Insurance Policy Liberty Videocon General Insurance – Group Health/Mediclaim Insurance Policy Shriram General Insurance Company – Group Health/Mediclaim Insurance Policy

 

Benefits of Group Health Insurance Policy for Employees in India

There are many advantages in availing the group insurance policies. In this policy employee will not be forced for any medical check up but will be eligible to get the policy from the day 1 of his joining date.  Group health insurance policy is cheaper than the individual health insurance policy. Some of the disadvantages of the policy are the policy is valid only till the employee is working in the company. Company may reduce the health insurance cover at their discretion. Many company will not provide the group health benefits to their parents. Rather will provide only for their souse and children.

Main Features and Advantages of Group Health Insurance Policy in India

  • Avail more sum insured
  • Ambulance Fee
  • Cashless Treatment
  • No Free Medical Check- Up
  • In House Claim Settlement
  • Pre and Post Hospitalization
  • Room Rent Cover
  • Maternity Benefit from Day One
  • Tax Benefits under Section 80D
  • Third Party Administrators – Claim Settlement company to company may vary
  • Parents are covered under group policy
  • No waiting period of Pre Existing Diseases
  • Better discount on premium
  • New born baby cover
  • Expenses of Donor covered for organ transplantation.
  • Cover for all day care procedures
  • Surgeon, Anaesthetist, Consultants, Oxygen, Blood,Specialist Fees, imaging modalities and Medicines and Drugs Oxygen, Medical Practitioner, Operation theatre, Operation Theatre, Diagnostics, Diagnostic and Cost of pacemaker.

 

Steps involving to register Your Group Health Insurance Policy Claim / Group Mediclaim Policy Claim with Health Insurance company in India

First Step: Complete details about Doctor advises of treatment or hospitalisation.

Second Step: Register your claim with the Health insurance company.

Third Step: For Cashless Claim – May Visit Network Hospital for the treatment. (Or) Can Reimbursement the Claim –  Treatment taken at the Non linked network Hospital.

Fourth Step: Cashless Claim –  Contact to avail the cashless treatment TPA or In-House Claim of health insurance company, this process generally will followed by the Hospital Insurance Help Desk for arranging cashless treatment.

Reimbursement Claim – Once treatment have taken Submit your documents within 15 days of discharge from the hospital for reimbursement.

Intimating the claim keep ready with the below Documents

  • Current Health Insurance Policy Number
  • Contact details of Insured / Claimant
  • Name of Insured person or claimant person, who is admitted for hospitalised
  • Intimate the information when register the claim relationship of insured with the patient person who is admitted for treatment.
  • Name of the hospital admitted for treatment
  • Person admitted what nature of ailment
  • Information of date & time of accident if that is accident case
  • Where the accident happened if that is accident case  

Group Health Insurance Policy / Group Mediclaim Policy Reimbursement Claim Process in India

Documentation are Required:

The following documents are required apply for health insurance claim:

  • Which is Duly filled claim form by the proposer
  • Treating Doctor signed Medical Certificate.
  • Complete Discharge summary.
  • Complete bills and receipts which is original
  • Prescription of medicine and cash memos from the treated hospital pharmacies.
  • Report of investigation
  • For accident case, the FIR or Medico Legal Certificate (MLC) is required.

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