Group Mediclaim Policy
What is a group mediclaim policy?
A group mediclaim policy is a type of health insurance plan that covers a group of individuals, typically employees of an organization, under a single policy. This policy offers comprehensive medical coverage, including hospitalization expenses, pre and post-hospitalization costs, and sometimes even coverage for dependents. It’s a cost-effective way for employers to provide health benefits and can also be extended to other groups like associations or corporate bodies.
What it is
This Policy Is..
- A group mediclaim policy is a health insurance plan purchased by an employer or organization to cover a specific group of people. It’s a cost-effective alternative to individual health insurance policies for employees.
- The policy can be customized to include coverage for dependents, such as spouses, children, and parents. It’s often offered as part of an employee benefits package.
What does a group health insurance policy cover?
- Various hospitalization charges are included in this policy.
- This policy covers the cost of diagnostic expenses incurred, the consumables required and the costs incurred for medicines required by you.
- the policy also offers cover for pre-hospitalization and post – hospitalization costs.
- Daycare treatment also coverd.
Benefits for Employers:
Benefits Cover
- Comprehensive Coverage.
- Cost Savings.
- Cashless Hospitalization.
- Pre- and Post-Hospitalization Benefits.
- Coverage for Pre-existing Diseases.
- Easy Claims Process.
- Wellness Programs and Additional Perks.
What is not covered by a group health insurance policy?
- Inoculation and vaccination are also not covered under group mediclaim policy.
- Circumcision, vaccination, cosmetic surgery or procedures, inoculation or any other procedure of the same kind will not be covered under policy unless these procedures are absolutely necessary or required for the treatment of the diseases or illnesses covered under the policies.
- Policy does not cover the costs incurred for the treatment of any sterility, fertility or assisted conception procedure, self-harm, suicide, convalescence, psychosomatic disorders, and diseases or accidents, injuries caused due to intoxication or abuse of substances, etc. related matters.
- Costs incurred by you for diagnostic purposes which are not followed up by hospitalization or active treatment.
- Expenses incurred by you for procedures or investigation for things that are not related or irrelevant to the disease that caused the hospitalization.
- Costs of non-medical nature, such as costs for telephones and other services will not be covered by the policies.
- Treatment for conditions and illnesses arising out of obesity, weight management problems, supplies, etc. will not be offered.
- Stay in hospitals for domestic reasons where no active treatment has been provided by the hospital to the insured person or persons will not be covered.
- Costs incurred for sex-change operations, out-patient diagnostic operations, use of non-prescribed drugs and medicines, hormone replacement therapy, etc. will not be covered.
- Pre-hospitalization or post-hospitalization charges for doctor’s home visits. Costs incurred by private nurses and attendants etc. will not be covered under our group insurance policy either.
- Treatment and costs incurred by you, which is not related to the disease or illness that caused the hospitalization will not be covered by us.
Types Of Group Mediclaim Policy
- Individual Insurance Plan
- Family Floater Plan
- Senior Citizen Plan
- Critical Illness Plan
What is not covered in group health insurance?
- dental treatments
- Injuries caused due to suicide attempts,
- Pre-existing medical conditions
