Group Health Insurance Features
Explore the comprehensive features and benefits of our group health insurance solutions for businesses in Delhi NCR.
Key Features in Focus
These specialized features can significantly impact your group health insurance policy's effectiveness.
Room Rent Capping
Understand room rent limits in policies and how they affect your overall claim settlement.
Co-Pay Clause
Learn about co-payment requirements in health insurance policies and their implications.
Cashless OPD Benefits
Discover the benefits of cashless outpatient department services for your employees.
Employee Guide
Help employees understand their group health policy - coverage, claims, and what happens at job change.
Core Coverage Features
Our group health insurance policies provide these essential coverage elements for comprehensive employee protection.
Comprehensive Coverage
Our group health insurance plans offer extensive coverage for hospitalization, surgeries, and medical treatments in Delhi NCR, ensuring your employees receive the best possible care.
Wellness Programs
Integrated wellness programs promote preventive healthcare, helping employees stay healthy and reducing overall healthcare costs for your organization.
OPD Coverage
Outpatient department coverage for consultations, diagnostics, and pharmacy bills, reducing the financial burden of day-to-day healthcare needs.
Learn more →Cashless Treatment
Access to a wide network of hospitals for cashless treatment, eliminating the need for employees to pay upfront and claim reimbursements later.
Pre & Post Hospitalization
Coverage for medical expenses incurred before and after hospitalization, ensuring comprehensive care throughout the treatment journey.
Family Coverage
Options to include dependents such as spouse, children, and parents, ensuring complete family protection under one policy.
No Claim Bonus
Rewards for claim-free years with additional coverage or reduced premiums, encouraging preventive healthcare.
Domiciliary Treatment
Coverage for treatments taken at home under medical supervision, when hospitalization is not possible or necessary.
Customizable Plans
Tailor insurance plans to suit your organization's needs and budget, choosing the right balance of coverage and cost.
Additional Benefits
Beyond the core features, our group health insurance plans offer several additional benefits to enhance your employees' wellbeing.
Maternity Benefits
Coverage for pregnancy-related expenses, including pre and post-natal care, delivery, and newborn baby coverage for a specified period.
- Normal and cesarean deliveries covered
- Pre and post-natal expenses
- Newborn baby coverage from day one
- Coverage for complications during pregnancy
Alternative Treatments
Coverage for AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) promoting holistic healthcare options.
- Ayurvedic treatments
- Homeopathic treatments
- Naturopathy
- Unani medicine
Mental Health Coverage
Coverage for mental health treatments and counseling services, supporting overall employee wellbeing.
- Psychiatric consultations
- Psychological counseling
- Therapy sessions
- Inpatient mental health treatment
Preventive Health Checkups
Regular health checkups covered under the policy to promote preventive healthcare and early detection of medical conditions.
- Annual health checkups
- Specialized screenings
- Diagnostic tests
- Follow-up consultations
Explore Further
Related Resources
Our Services
Dedicated relationship managers, endorsement support, and claims assistance.
Explore →Insurer Comparison
Compare private vs PSU insurers on claims speed, network, and renewal pricing.
Explore →By Industry
See how group health needs differ across tech, NGO, construction, and more.
Explore →How Claims Work
Step-by-step guide to cashless and reimbursement claims under your group policy.
Explore →TPA Partners
How third-party administrators process your group health insurance claims.
Explore →What Is Covered & What Is Not
Standard group mediclaim policies in India cover 300+ day-care procedures and provide cashless access at 8,000–15,000 empanelled hospitals. Here is a quick reference before you buy.
| Covered ✓ | Not Covered ✗ |
|---|---|
| ✓ Hospitalisation (24+ hours) | ✗ Cosmetic / aesthetic surgery |
| ✓ Pre-existing diseases from Day 1 | ✗ Self-inflicted injuries |
| ✓ Maternity (9-month waiting period on some plans) | ✗ Fertility / IVF treatment |
| ✓ Day-care procedures (300+) | ✗ Dental (unless add-on purchased) |
| ✓ Pre-hospitalisation expenses (30 days) | ✗ Spectacles / contact lenses |
| ✓ Post-hospitalisation expenses (90 days) | ✗ War, nuclear or experimental treatment |
| ✓ Mental health & teleconsultation | ✗ OPD (unless add-on purchased) |
| ✓ Road accident emergency | ✗ Obesity / weight-loss treatment |
Frequently Asked Questions
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