Group Health Insurance is also referred to as Corporate Health Insurance. The primary benefit provided by employers under a Group Health Insurance policy is that the employees often get an option to include their family members namely spouse, children, and in some cases parents too.

Group Health Insurance proves to be a beneficial plan for both employers as well as employees. A Group Health Insurance plan provides employers with benefits like low cost, tax benefits, motivated employees, and increased employee retention.

A group health insurance plan usually covers you for the following:

• In-patient hospitalisation expenses
• Pre-hospitalisation and post-hospitalisation expenses
• Daycare procedures
• Chronic illnesses like arthritis, diabetes, etc.
• Cover for pre-existing diseases
• Option to include spouse or kids, etc.
• Emergency ambulance expenses
• Cashless hospitalisation benefit at network hospitals
• Some insurers also cover maternity expenses
• No requirement of medical screening

Group health insurance plans do not cover you for the following expenses:

• Pre-existing diseases are not covered during the waiting period
• Injuries arising due to war or warlike situations
• Expenses related to external durable items
• Dental treatments
• Maternity expenses during waiting periods
• Cosmetic surgeries
• Any treatment required due to self harm including attempt of suicide