Group Health Insurance for Employees

Coverage for Medical Expenses:

GMC policies provide coverage for various medical expenses incurred by the insured members, including hospitalization expenses, doctor's fees, diagnostic tests, medication costs, and more.

In-Patient Hospitalization:

Coverage for expenses related to in-patient hospitalization, including room rent, nursing charges, ICU charges, operation theater charges, and more.

Pre and Post-Hospitalization Coverage:

GMC policies cover medical expenses incurred before and after hospitalization before and after hospitalization for a certain period, typically ranging from 15 to 120 days for Pre & 15 to 180 days for post

Daycare Procedures:

Coverage for specific medical procedures that do not require overnight hospitalization but are performed in a hospital or daycare center.

Pre-Existing Conditions Coverage:

Provides coverage for pre-existing medical conditions from day 1, subject to policy terms and conditions.

Ambulance Charges:

Reimbursement of ambulance charges incurred for transporting the insured member to the hospital in case of emergency.

Maternity Benefits:

Coverage for maternity expenses, including prenatal and postnatal care, delivery charges, and newborn baby cover, subject to waiting periods and policy limits (if any)

Cashless Facility:

Considering the robust network of empaneled hospitals Cashless facility is available at almost every hospital, allowing insured members to avail medical treatment without making upfront payments (subject to policy terms and conditions).

Wellness Benefits:

Offers wide range of wellness benefits such as annual health check-ups, preventive health screenings, and discounts on health-related services.

Customizable Coverage:

Employers or policyholders can often customize the coverage based on the needs of the group, such as adding or excluding certain benefits, choosing different coverage limits, or opting for additional riders.

Cost-Effective:

GMC policies are usually more cost-effective compared to individual health insurance plans because the risk is spread across a larger pool of individuals.

CDC benefit (Claim by Direct Click):

With CDC, individuals and their families can avoid visiting offices, filling up endless forms, collecting and submitting documents. Simply log in to the Insurance Wallet app from and register the claim from anywhere, at any point in time.

Portal Facility:

Corporate portals and employee portals streamlines the administration of group mediclaim insurance policies, enhance communication between stakeholders, and empower employees to manage their health insurance benefits effectively.

The corporate portal serves as a centralized platform for employers or HR administrators to manage group health insurance policies. They can handle tasks such as policy enrollment, renewal, and termination, as well as updating employee information.

Employers can configure the policy details, such as coverage limits, deductibles, co-payments, and premium rates, based on the organization's requirements and budget.

The corporate portal facilitates the enrollment of employees and their dependents into the group health insurance plan. It streamlines the process by allowing employees to submit their information online and tracks enrollment status.

Employers can use the corporate portal to manage premium payments, including setting up payment schedules, making payments online, and generating payment reports.

The portal serves as a communication channel between the insurance provider and the organization. Employers can receive policy updates, announcements, and alerts regarding changes in coverage or premiums.

The employee portal allows insured individuals to access their policy details, including coverage benefits, co-payments, claim status, and policy documents.

Employees can use the portal to enroll in the group health insurance plan during open enrollment periods or make changes to their coverage, such as adding or removing dependents.

Employees can submit health insurance claims online through the employee portal. They can upload supporting documents, track the status of their claims, and receive reimbursement directly into their bank accounts.

The employee portal typically provides information about the network of healthcare providers covered under the insurance plan. Employees can search for participating hospitals, clinics, and healthcare professionals in their area.