Keep Your Team Healthy & Protected with Tailored Group Health Plans
Group health insurance is one of the most valued employee benefits. ExpertAdvise.in helps businesses design, compare, and manage group health plans that fit their workforce and budget while ensuring seamless claims support.
Why Group Health Insurance Matters
Comprehensive coverage tailored to your specific needs and lifestyle.
Cashless Hospitalization
Access 6,000+ network hospitals with zero upfront payment and direct settlement by the insurer.
Family Coverage
Cover employee, spouse, children, and parents under a single corporate policy with customizable limits.
Maternity Benefits
Coverage for normal and cesarean deliveries, newborn care, and pre/post-natal expenses.
OPD & Wellness
Outpatient consultations, dental, vision, annual health checkups, and mental wellness programs.
No Medical Checkups
Group policies typically do not require individual medical tests, making enrollment quick and easy.
Tax Savings
Employer premiums are tax-deductible; employees enjoy tax-free health benefits up to prescribed limits.
Compare Group Health Insurance Plans Side-by-Side
Transparent comparison to help you make the right choice.
| Plan | Sum Insured | Room Rent | Maternity | Pre-existing | Premium/Employee |
|---|---|---|---|---|---|
| Rs.3 Lakhs | 1% of SI | Not Covered | After 2 years | Rs.8,500 | |
| Rs.5 Lakhs | No Sublimit | Up to Rs.50,000 | After 1 year | Rs.14,200 | |
| Rs.7.5 Lakhs | No Sublimit | Up to Rs.75,000 | Covered from Day 1 | Rs.18,500 | |
| Rs.10 Lakhs | No Sublimit | Up to Rs.1,00,000 | Covered from Day 1 | Rs.24,000 | |
| Rs.15 Lakhs | No Sublimit | Unlimited | Covered from Day 1 | Rs.32,000 |
Why Choose Group Health Insurance Through ExpertAdvise?
No Waiting Periods
Unlike individual health plans, group policies often cover pre-existing conditions from day one, ensuring immediate protection for all employees.
Lower Premiums
Group health insurance premiums are 30-40% lower than individual policies because risk is spread across a larger pool.
Comprehensive Coverage
Includes daycare procedures, ambulance charges, domiciliary treatment, organ donor expenses, and AYUSH treatments.
Mental Health Coverage
Modern group plans include mental wellness, therapy sessions, and psychiatric consultation coverage as per IRDAI mandates.
Wellness Programs
Access to fitness apps, nutrition counseling, smoking cessation programs, and preventive health screenings.
Easy Administration
Single master policy, centralized billing, automated employee onboarding/offboarding, and dedicated relationship manager.
What's Not Covered
Transparency is our policy. Here are common exclusions you should be aware of.
Cosmetic and aesthetic treatments unless medically necessary
Self-inflicted injuries and suicide attempts
Injuries from adventure sports, racing, or hazardous activities
Substance abuse and alcohol-related illnesses
War, nuclear, and chemical-related injuries
Non-allopathic treatments outside AYUSH coverage scope
Experimental or unproven medical procedures
Claims beyond policy sum assured or sub-limits
Got Questions? We've Got Answers
Employees can file claims individually using their employee ID and corporate policy number. For cashless, the hospital sends the bill to the TPA directly. Employers receive monthly utilization reports.
Get Group Health Insurance for Your Team
Tell us your team size, average age, and coverage needs. We will design a group health plan that fits your budget and keeps your employees happy.
Prefer to talk?
+91 99993 65655