Skip to content
Shree Sai Insurance
All services
GIC – General Insurance Products

Group Health Insurance

Health cover arranged by an employer or organisation for its members, subject to scheme terms.

Contact Us+91 98672 00166

How we help

A group health policy is taken by an employer or organisation to cover its employees or members, and often their families. It pays hospitalisation costs up to the sum insured, cashless at network hospitals or by reimbursement.

Group schemes can offer terms that are harder to get individually, such as shorter waiting periods, cover for pre-existing conditions from the start or maternity benefits. The terms differ between schemes.

Cover usually ends when a member leaves the organisation. We help employers design a scheme and help members understand what to keep as personal cover.

What it covers

  • Health cover for a group of members
  • Family cover where the scheme allows
  • Benefits subject to scheme terms

Coverage, exclusions, and claim conditions depend on the policy and insurer.

Before you decide

Points to check

  1. 01The sum insured per member and whether it is shared across a family
  2. 02Cover for pre-existing conditions, maternity and parents
  3. 03Room-rent limits and co-payment under the scheme
  4. 04The network hospitals available to members
  5. 05What happens to cover when a member leaves

Common questions

What people ask us about Group Health Insurance

Is group health cover enough?

It may not be. The sum insured is often modest, and it can end when you change jobs, so many people also hold an individual policy.

Are pre-existing conditions covered?

Many group schemes cover them from the first day, but it depends on the scheme. We check the terms.

Can employers add parents to the scheme?

Some schemes allow it, often at an extra premium. The option and the cost depend on the policy.

More in GIC – General Insurance Products

Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.