Group Medical Coverage (GMC) Policy


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What is Group Health Insurance?

Group Health Insurance is a type of plan that provides insurance coverage to a group of members, usually a group of employees of a company or members of an organization. These plans are usually offered by banks, business groups, organisations, employers to their employees, housing societies etc., and the amount of premium is borne by the organisation itself.

Why Should I Buy a Group Health Insurance?

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.

What is Covered Under a Group Health Insurance Policy?

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

What is Not Covered Under Group Health Insurance Plans?

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

Why Choose Group Health Insurance by SecureHub Consultants Private Limited?

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