What is a Group Health Insurance Policy, and Why is it Beneficial?

A group health insurance plan is offered by a governing entity, such as a private organization, a bank, or a society or club, to all employees or members associated with it. So, the Mediclaim policy that companies offer their employees is a perfect example of a group health insurance cover.

One of the significant advantages of a group health insurance plan is that it covers multiple individuals at reasonable rates. It also reflects the entity’s genuine concern for its members, which can strengthen their sense of affiliation towards it.

Hospitalization charges

Medical expenses

Consultation charges

Emergency ambulance services

Routine annual medical

Maternity coverage

Outpatient coverage

Ambulance coverage

Parental top-up cover

Zonal upgrade

What do Group Health Insurance Policies Cover?

Group health insurance plans cover most of the major expenses associated with preventing, diagnosing or treating major illnesses:

  • Hospitalization charges, including nursing fees, surgeries, boarding, and anesthesia
  • Medical expenses associated with the prescribed treatment course
  • Consultation charges for appointments scheduled with doctors and nutritionists
  • Emergency ambulance services
  • Routine annual medical checkups for preventative care

What Add-ons do I Opt for with my Group Insurance Cover?

Group insurance policies may come with multiple add-ons that employees or members may opt for based on their personal and family requirements, budget, income, etc.:

  • Maternity coverage, which financially compensates for maternity-related costs like hospitalization, childbirth, and pre- and postnatal care expenses
  • Outpatient coverage, offering financial covers for outpatient medical expenses
  • Ambulance coverage, which pays for ambulance services to and from a hospital setting
  • Parental top-up cover, which covers the policyholder’s parents’ medical expenses
  • Zonal upgrade, offering higher financial coverage for medical treatment in specific regions

How can Unione Help?

We understand the need for organizations and communities to financially support their employees or members for major medical expenses incurred. We help you choose the right policy that falls within your budget while maximizing coverage.

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Affordable Premium Options

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Detailed Risk Assessments

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