Employee Benefit

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Group Health Insurance

Employer-Employee Insurance

A life policy an employer funds for a key employee, structured so the benefit is genuinely theirs.

Provides substantial personal life cover to a key employee
A meaningful retention tool for senior staff
Premium is generally deductible as a business expense

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Keyman Insurance

Cover protecting the business against losing a person it genuinely depends on.

Provides the business with liquidity after losing a key person
Funds recruitment and the period of reduced performance that follows
Frequently required by lenders and investors as a covenant

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Today Protected. Tomorrow Stronger.

Why Employee Benefit?

Pre-existing conditions covered from day one, with no waiting periods
Maternity cover commonly included without the retail waiting period
Employees with health issues covered on standard terms
Dependants — spouse, children and often parents — can be included
Cashless treatment across a national hospital network

More than Policies A Partner for Life

What's Covered?

Hospitalisation for employees and declared dependants
Pre-existing conditions from inception, with waiting periods waived
Maternity benefit, where the scheme includes it
Newborn cover from day one, where maternity is included
Day-care procedures and pre and post-hospitalisation
Ambulance charges up to the scheme limit

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What's Not Covered?

Any cover after the employee leaves the organisation
Dependants not declared in the census
Treatment outside India, unless specifically extended
Cosmetic and elective procedures
Non-medical consumables, unless the scheme covers them
Amounts above the sum insured, and any co-payment share

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Compare Popular Plans

Plan	Group Health Insurance	Employer-Employee Insurance	Keyman Insurance	Group Personal Accident
Best for	Health cover for every team member	Secure your team's future	Protect your business backbone	Accident protection for all employees
Premium from*	₹4,500	₹50,000	₹40,000	₹350
Rating	4.6	4.0	4.2	4.4
Details	View	View	View	View

*Indicative starting figures; the final terms depend on your profile.

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Frequently Asked Questions

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Are pre-existing conditions really covered from day one?

Yes, and that is the central advantage of group cover. Because the insurer underwrites the population rather than each individual, employees with existing conditions are covered on standard terms with waiting periods waived — something no retail policy offers a new buyer.

Should we include employees' parents?

It is the most appreciated inclusion and the largest cost driver, particularly where parents are elderly. Many employers offer it as a voluntary top-up the employee co-funds, which keeps the base premium manageable while still making the cover available.

What happens when an employee resigns?

Cover ends, usually on the last working day. Some insurers allow conversion to an individual policy carrying the served waiting periods. It is worth telling employees this at onboarding rather than at exit.

How is the renewal premium decided?

Principally on your own claims ratio for the expiring year, adjusted for changes in the population profile. A scheme running high will attract a loading, and the effective responses are benefit design changes and wellness measures rather than switching insurer.

Is maternity covered without a waiting period?

Commonly yes on group schemes, which is one of the most valued features for a young workforce. Sub-limits usually apply for normal and caesarean delivery, so check those figures against costs in your city.

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