Group Health Insurance / Group Mediclaim Policy

Protect Your Team, Empower Your Growth

Group Health Insurance (GMI), also known as Group Mediclaim Insurance (GHI), is a type of health insurance policy that provides medical coverage to a defined group of people and their dependents under a single policy. This comprehensive healthcare solution covers hospitalization, surgery, and various treatment costs for employees/members and their families.

No Pre-Policy Medical Check-Up

Coverage Without Any Waiting Period

Pay Premium in Installments

Who can buy Group Health Insurance?

Any legally recognized group or organization with minimum 7 individuals can purchase group mediclaim insurance

Companies/Corporations - Private limited, public limited, multinational corporations, SMEs

Partnership Firms and Sole Proprietorships - Business partnerships and individual proprietorships

Non-Governmental Organizations (NGOs) - Charitable and social organizations

Associations and Societies - Professional associations, trade unions, cooperative societies, clubs

Government and Public Sector Units - Government departments, public sector undertakings

Educational Institutions - Schools, colleges, universities, and other educational organizations

Conditions for Group Eligibility

Purpose of forming the group shall not be primarily only for getting Group Health Insurance

Age of the group does not matter to take such insurance

Need not be employer-employee relation

Evidence of relation between group & member is sufficient

Why Choose Group Health Insurance?

Comprehensive healthcare coverage for entire group under single policy

Cost-effective solution with negotiable premiums and shared risk

Immediate coverage without waiting periods or medical check-ups

Highly customizable coverage options and negotiable exclusions

Easy enrollment process for all eligible group members

Additional wellness benefits and employee engagement programs

Group vs Individual Health Insurance Comparison

Parameter	Private Insurers Private	Public Insurers Public
Enterprise Suitability	More suitable for small & medium enterprises	More suitable for larger enterprises with over 1000 members
Premium Cost	Generally more flexible and competitive	Often standardized and less negotiable
Claim Settlement	Faster claim settlement with paperless processes	Slower claim settlement with more paperwork requirements
Policy Customizability	Highly customizable policies	Standardized policies with lesser flexibility
Network Hospitals	More empanelled hospitals	Lesser than private insurers

Choice Between Private Insurers & Public Undertaking Insurers

No Medical Check-Up

No pre-policy medical examination required, making enrollment quick and hassle-free.

No Waiting Period

Coverage without waiting periods, providing immediate access to healthcare benefits.

Flexible Payments

Pay premiums in installments, making it budget-friendly for organizations.

Cost-Effective

Highly negotiable and economical compared to individual health insurance policies.

Customizable Coverage

Top-Up Facility

Public Insurers

Lesser than private insurers

Benefits of Choosing GoInsureIndia.com

Industry benchmarking on coverage and pricing

Comprehensive assessment of employee health needs and risk profiles

Tailored policy design to meet specific organizational requirements

Assistance in selecting most suitable insurance plans from leading insurers

Ensuring customers pay reasonable costs for their choice of coverage

Seamless Customer Onboarding

Access to mobile-cum-web app for policy benefits and digital health cards

Thorough policy awareness sessions onsite or online

HR team education about policy administration and management

Employee training on mobile app usage and claims process

Customer Service Excellence

GoInsure Mobile App access to all policy members

24/7 dedicated contact center team

Dedicated Service Manager for special concerns

Dedicated WhatsApp number with AI support

Paperless claim settlement process

Claims expertise with industry experience since privatization

Health and Wellness Programs

Bi-monthly wellness webinars covering physical, emotional, mental health

Free doctor consultations, dental care, and mental wellness sessions

20% flat discount on health check-ups with comprehensive tests

Discounts on at-home nursing care and physiotherapy sessions

Free pre-surgery consultations and post-hospitalization benefits

Access to wide network of empanelled hospitals

Group Health Insurance FAQs

Common queries about Group Health Insurance / Group Mediclaim Policy

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⚡ Instant digital policy issuance • 📞 24/7 support • 🛡️ Zero paperwork claims

No Medical Check-Up

No Waiting Period

Flexible Payments

Cost-Effective

Customizable Coverage

Small Enterprise (7-100 members)

Coverage

OPD Coverage

Insurer Choice

Top-Up Facility

Medium Enterprise (100-500 members)

Coverage

OPD Coverage

Insurer Choice

Top-Up Facility

Large Enterprise (500+ members)

Coverage

OPD Coverage

Insurer Choice

Top-Up Facility

Enterprise Suitability

Private Insurers

Public Insurers

Premium Cost

Private Insurers

Public Insurers

Claim Settlement

Private Insurers

Public Insurers

Policy Customizability

Private Insurers

Public Insurers

Network Hospitals

Private Insurers

Public Insurers

What is Group Health Insurance?

What is the minimum number of members required for group health insurance?

Is pre-policy medical check-up required for group health insurance?

Can waiting periods be waived in group health insurance?

How is group health insurance more cost-effective than individual policies?

Can the coverage be customized for different employee levels?

What types of organizations can purchase group health insurance?

Are exclusions negotiable in group health insurance?

Ready to Protect Your Business?