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Group Health Insurance Online

There is no doubt in saying that the greatest wealth in a life of a person is his/her health and everyone has their own ways to maintain the same in a healthy manner. There is no fixed pattern of life and a sudden disease can or bodily injury can financially hurt you and leave in highly stressed. A group health insurance policy can help you and protect you from medical emergency's expenses. It ensures that you get the quality healthcare for you and your family as well.

Group health insurance policy is basically a comprehensive Health Insurance Plan that is designed to offer complete protection to you and your families against sudden illness, diseases, accidents and unexpected hospitalization, etc.

There are several advantages of purchasing group insurance plans. Since a group represents consumers in 'bulk' quantity, the insurance companies may provide attractive discounts on premiums on such policy. That's why a group health insurance works out much affordable as compared to other health insurance.

Group Health Insurance Benefits

Under the same, you will get coverage against expenses of Room, Board & Nursing Charges, daycare, Medical Practitioner, medicines and Specialists Fees.

A few extra charges such as Anaesthesia, Oxygen, Blood, Operation Theatre charges, Medicines & Drugs, Surgical Appliances, Diagnostic Materials and X-ray, Dialysis, Radiotherapy, Cost of Pacemaker, Chemotherapy, prosthesis/internal implants and any medical expenses incurred that is an integral part of the operation.

Here you will get the advantage of coverage on Pre-hospitalisation Expenses. Under the same insurance company will pay for expenses that occur 30 days prior to the hospitalization.

Post Hospitalization: Same as pre-hospitalization, the only difference is that it will cover your Post-hospitalisation Expenses. Under the same, the insurance company will pay for pay for expenses that occur 60 days after the date of discharge.

Day Care Expenses: Insurance company may pay for the daycare expenses that occur because of advanced technological surgeries and procedures that can be done within 24 hours of hospitalization.

Domiciliary Hospitalisation: Insurance company will provide coverage for all the reasonable expenses that occur toward Domiciliary Hospitalisation which is subjected to 20% of the Basic Sum Insured.

Advantages of Group Health Insurance Policy

Employees play a vital role in an organization. Nowadays companies are focusing more on becoming employee-centric. The corporate health insurance has appeared as the best alternative to attract skillful talents towards the company. It assists in influencing the psychology of the workers. It builds employee's confidence and makes him feel like a vital part of the company. Apart from this, it increases the productivity rate that improves the profit percentage of the company.

Moreover, by offering this insurance scheme to your employees you can still be able to get tax deductions under the Income Tax Act. So it is a good thing for employers and employees as well.

Features of Employee Health Insurance Plans

There are many group health insurance plans available in the market. Below are the common features that you will get in a Group Health plan.

  • This type of plan usually provides coverage to the insured and to his family as well depending upon the norms of the company.
  • Some will cover pre-existing diseases, maternity expenses, and much more.
  • It also provides cashless facility within network hospitals.
  • It also covers ancillary charges like ambulance costs.
  • Some plans offer free reimbursement and follow checkup facility.


There are a few things that a group health insurance policy would not cover and the insurance company would not be liable for the same.

  • Any disease or injury that is the related condition(s) for which you have been diagnosed, got medical treatment, had signs and/or symptoms, before the inception of your first policy.
  • Any illness/ailment that occurs in the first 30 days of the insurance policy and related expenses for admission, administration, discharge, registration, service expenses/surcharges, documentation, and filing.
  • Expenses that occur because of Non-allopathic treatment, miscarriage, abortion or complications of any of this, Treatment arising from or traceable to pregnancy childbirth and caesarian section as well.
  • Congenital diseases, All expenses related to AIDS and related diseases. Ailments / Complications arising out of use/abuse of intoxicating drugs or alcohol.
  • For more details & full list of exclusions, please refer to the policy document.

Documents Required for Medical Insurance Policy

If you have decided to buy health insurance online, then there are few documents that you need to provide such as:

  • Age proof - Any one of Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc
  • Identity proof - Driving License, Passport, Voter ID, PAN Card, Aadhar Card, which proves one's citizenship
  • Address proof - Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address.
  • Some plans require a medical check-up usually for elder people above the age of 45 years in order to make sure that the insured does not suffer from any chronic illness.
  • Passport Size Photo to have a record of the insured person`s identity for future references.

Buy Health Insurance Online in Few Easy Steps

If you have decided to buy health insurance online, then there are few documents that you need to provide such as:

  • Very easy to buy, hassle-free buying without going through heaps of paperwork
  • Takes less than 10 minutes to complete a purchase.
  • Simply enter basic requirements details as per the need and preference to find the best insurance plan for you.
  • Compare plans from various companies in less than 30 seconds and take a wise decision for your insurance investment.
  • Choose a plan which fulfills your criteria of insurance and is insured within minutes.
  • Complete online proposal form in 5 minutes, which asks you for your basic details for further reference.
  • Upload your documents and make the payment towards the plan you want to opt for.
  • Bingo: You are now covered under the policy.


1. If a person doesn't die during the policy period, can he/she get a refund of money?

Even if you do not file the claim in policy tenure, you will not get any reimbursement of premium.

2. Are there any long tenure plan options available under this Policy

It varies from company to company. You can check the policy document for the same.

3. Did a person required to undergo pre-policy medical tests?

There is no pre-policy requirement in this policy. However, if there are any Pre-existing disabilities that it have to be declared on the Proposal Form.

Last updated on 11-11-2020