Group Mediclaim Cover

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Group health insurance: – A plan that provides health insurance coverage to a select group of people. Group Health Insurance plans are the major benefits offered by the number of employers. These plans are uniform in nature and offer the same benefits to the all employees of the group. Cost of the Group insurance plan is usually less as compared to individual mediclaim plan that offers the same health coverage. Employee benefits are the core functionality of the Human resource department of any organization. Now these days, employees are more curious about the health insurance plans that an organization offers. Most of the employee benefits are under the full control of the organization but in case of Medicalim plans, there is dependency on third party services i.e. insurance company. Therefore, it is very important to have the best group medicalim plan for the employees as it directly affects the employee benefits and the employer’s goodwill. Group Mediclaim Policy will be available to any Association/Group/Institution/Corporate-body having the group size more then 15. Here are some basic recommendations one should take while looking for a Group Mediclaim Plan for employees.

Group Mediclaim Policy

Brief Description :

Mediclaim Insurance is a cover which takes care of medical

expenses following Hospitalisation/Domiciliary Hospitalisation

of the Insured in respect of the following situations: (A) In case

of a sudden illness (B) In case of an accident (C) In case of

any surgery which is required in respect of any disease which

has arisen during the policy period. The major benefit for

taking a Group Mediclaim policy is that the insured gets a

Group discount, hence the premium per person is lower.

Covered Risks :

This cover is a hospitalisation cover and reimburse the

medical expenses incurred in respect of covered disease

/surgery while the insured was admitted in the hospital as an

in patient.The cover also extends to pre & post-hospitalisation

for periods of 30 days & 60 days respectively

Major Exclusions :

Any pre-existing disease,any expense incurred during first 30

days of cover except injury due to accident,all expenses

incurred in respect of any treatment relating to pregnancy and

child birth. Treatment for Cataracts,Benign prostatic

hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma,

Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All

Psychiatric or Psychosomatic disorders are excluded from the

scope of the coverĀ