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"Happy employees are the foundation of a successful organization."
And, offering a corporate group health insurance policy is one of the most impactful ways to foster employee well-being and loyalty.
This policy offers employees and their families financial security during medical emergencies, reducing stress and fostering loyalty. By investing in comprehensive health coverage, companies can boost morale, enhance productivity, and attract top talent.
Providing such essential benefits showcases an organization’s dedication to its most valuable asset, THE PEOPLE.
Group Health Insurance is a type of health insurance plan that covers a group of people who work under the same organization. It is often offered as a valuable benefit for employees, as the employer bears the premium. In some cases, the coverage can be extended to the employee's family members. This insurance plan is also referred to as corporate health insurance or employee health insurance.
However, the price for the same is comparatively a lot lesser as compared to individual health insurance plans and also benefits employers in tax reductions, therefore making it beneficial for both the employer and employee.
Group health insurance is one way to invest in the health and well-being of employees. This helps to ensure that workers value the financial stability and health benefits of insurance coverage even more.
There are many reasons why group insurance is important for companies, and as an employer, you can support employee wellness in a number of ways with a group health insurance plan.
Employees are the backbone of any successful company and protecting their health and well is isnt just a responsibility but a smart choice. With Digit’s group medical insurance, you can foster financial protection during emergencies your employees might face.
No one likes to waste their time on lengthy paperwork, and we understand that. Right from the process of buying a group health insurance plan to making claims is paperless, easy, quick and hassle free! After all, we are part of the digital revolution.
Everyone deserves to be protected. It doesn’t matter whether you’re a 10-member team or a 25+ member startup; our group medical insurance covers companies of all shapes and sizes.
Gives your employees the option to opt for cashless claims through a wide network of our hospitals spread across India. So, no matter where they are in India, they’ll always be covered at ease!
Being a digital health insurance provider, our health insurance premiums come with low-cost premiums, so you can cover all your employees conveniently.
We take the idea of simple and quick claims seriously. A post-hospitalization lumpsum gives people the benefit to take care of their post-hospitalization expenses without having to collect bills, receipts, etc.
No need to coordinate with multiple points of contact and third parties. With Digit’s Group Health Insurance, you only need to stay in touch with us and no one else.
It might be difficult to administer group medical coverage for all employees. To simplify policy management, we handle everything from enrollment to the claim process.
With more than 8,400+ cashless hospitals across India, your employees can be covered easily no matter where they are in the country! With this benefit, we will pay the hospital bill directly without having your employees worry about it.
Every employee is unique, and they should also have different health insurance. Employers can use Digit to allow their policyholder (company) to personalize the benefits and coverage of their Group Mediclaim Policy.
Sometimes, some illnesses require hospitalization. This benefit will cover your employee and their dependents for all treatment and hospitalization expenses.
In case your employee or their dependent is hospitalized, expenses go beyond just the hospital bill and this benefit helps people cover for just that.
According to a WHO study, at least 6.5% of India’s population suffers from a serious mental disorder. Luckily, our health insurance will also cover your employee’s psychiatric support.
Critical Illnesses are on the rise today. Our plan includes a critical Illness benefit in health insurance so that your employees and their dependents will be covered in case they are diagnosed with any Critical Illnesses.
In case your employee or their dependent get into an accident, this covers for all pre and post hospitalization expenses such as road ambulance charges, room rent, diagnosis, day care procedures, etc.
Our health insurance plan also includes benefits to cover for things such as Alternate Treatment (AYUSH), Organ Donation Expenses, Infertility Treatment and Bariatric Surgeries among others.
|
Copayment |
No Age Based Copayment |
|
Cashless Hospitals |
9000+ Cashless Hospitals Across India |
|
Buying & Claim Process |
Paperless Process, Digital Friendly |
|
Point of Contact |
Single Point of Contact |
|
Day Care Procedure |
Treatment that takes less than 24 hours is covered |
Group insurance does not only benefits the employers but also the employees. From covering medical expenses to ensuring peace of mind, it creates a safety net that empowers the employees to focus on what best they do.
Here are some of the benefits of a corporate health insurance policy for employees:
Typically, any organization with 10 or more members should protect their employees with health insurance. We break it down for you if you are unsure whether you need one.
To buy a group health insurance plan, choose the provider that best suits your needs. For example, if you choose a provider like Digit Insurance, here are the steps you can follow:
Step 1 – Visit the Digit Insurance website and look for group health insurance.
Step 2 - Fill out all your details, such as name, organisation name, number of employees, designation, email, ID, and phone number.
Step 3 – Enter the code you received to verify your mobile number.
Step 4 – Someone from Digit’s team will give you a callback.
Easy Right? Yes, buying a group health insurance policy is as simple as that. Rest, everything will be taken by us. 😀
A group mediclaim policy can be claimed multiple times a year until the whole sum insured in health insurance is exhausted. The claiming process is a simple and easy procedure. The hospital you select will determine the claim procedure.
You can file a cashless claim if you have chosen a network hospital, or you can use a reimbursement claim procedure if you have chosen a non-network hospital.
Step 1: Notify your insurer and select a network hospital for your treatment before getting your parent's hospitalization.
Step 2: Show your parent’s e-health card at the network hospital helpdesk and ask for the pre-approval.
Step 3: Fill out and sign the form and submit it to the helpdesk.
Step 4: After verification, the insurance company will take care of the cost involved in the treatment.
Also Read: Cashless Medical Insurance Policy
Step 1: If you select a non-network hospital for your parent's treatment, keep all the medical bills, reports, and other essential expense documents with you.
Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.
Step 3: The insurer will verify the documents, and you will receive a reimbursement for the treatment.
Below is a concise overview of the essential documents required to file your claim.
Note: The documents listed above are the standard requirements for filing an insurance claim. The company might ask for additional documents based on your requirement or policy terms.
Group health insurance is a valuable benefit for organizations to offer their employees, but choosing the right plan requires careful consideration. Here are some factors you must analyse before purchasing group health insurance to get comprehensive health coverage for your employees.
The primary purpose of a group health insurance plan is to provide employees with healthcare benefits and it only makes sense that the benefits should be those that an employee finds valuable. Therefore, the benefits provided by a corporate health insurance plan should be of utmost priority.
Money matters! That’s why it is crucial to evaluate how much your group health insurance will cost you and if that makes sense with respect to the benefits offered or not. Don’t blindly go for cheaper premiums, but corelate the benefits that come with them.
When you get a group health insurance, it’s not only the plan benefits that matter, but also how effective and responsive your insurer is as well. In times of need, you want to make sure your employees have a pleasant experience communicating and dealing with the respective insurer.
When it comes to health insurance, service matters more than ever. After all, you need an insurer that will deal with healthcare matters with utmost care and sensitivity. Therefore, always evaluate and compare the services of different insurance providers.
Accidents and Illnesses can happen anywhere! Therefore, one thing to consider while choosing a group medical insurance plan is whether it covers the entire country, and if it does, how many network hospitals are spread across the country, etc.
However, the coverage, exclusions, and add-ons of the group health insurance policy and individual health insurance policy might seem similar, but they are widely different depending on several factors. Let’s understand these factors in detail:
In conclusion, a corporate group health insurance policy is a powerful tool for fostering employee satisfaction and loyalty. By addressing their healthcare needs and reducing financial uncertainties, organizations demonstrate their commitment to employee well-being.
A healthy workforce is the cornerstone of a thriving business, making group health insurance a win-win for both employees and employers.
Disclaimer: This data includes members covered under Digit Health Plus Policy (Revision) and Digit Illness Group Insurance Policy since inception till 13th September 2021.
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