Corporate Insurance
Group Health Insurance
Group mediclaim for employees, and the family members they support.
In short
Group health insurance is a single policy covering all your employees, and optionally their spouse, children and parents, for hospitalisation. Group schemes normally waive the waiting periods and pre-existing disease exclusions that apply to individual retail policies.
Overview
The premium of a group medical policy is only half the decision. The other half is the structure: sum insured, room rent limit, co-pay, whether parents are in or out, and the corporate buffer that covers the cases that exceed the individual limit.
Those choices decide both the cost and how the policy feels to an employee at the hospital counter. We model the options and show what each one does to the premium before you choose.
What is covered, and what is not
Typically covered
- Hospitalisation of 24 hours or more
- Pre and post hospitalisation expenses within stated periods
- Day care procedures
- Pre-existing conditions, usually from day one in a group scheme
- Maternity and newborn cover, where added
- Ambulance charges, within limits
- Preventive health check-ups, where the plan includes them
- Corporate buffer for high-value claims, where added
Typically excluded
- OPD and dental, unless specifically added
- Cosmetic and elective procedures
- Expenses above the room rent limit, which can scale down the whole claim
- Non-medical consumables, unless a consumables cover is added
- Dependents not declared before the claim date
Cover and exclusions vary by insurer and by the wording issued for your risk. We confirm the exact terms on the quotation before you buy.
Why buy this through Trust Cover
Insurer-neutral advice
Quotations from several insurers, compared on wording and claims record, not premium alone.
Exclusions explained first
You see what is not covered before you buy, in plain language.
Claims handled by us
We prepare the file, submit it and chase settlement on your behalf.
Working with us
We are insurer-neutral. For every enquiry we approach multiple insurers, compare the wordings as well as the premiums, and tell you where they differ on the points that decide a claim.
After the policy is issued we stay involved: endorsements, mid-term changes, renewal reminders that start ninety days before expiry, and claims that we prepare, submit and follow to settlement.
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