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Group Health Insurance: Care for Your Team

Comprehensive health coverage for SME employees, including hospitalization, medical expenses, and wellness benefits, ensuring employee well-being and business stability.

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What Is Group Health Insurance?

Group Health Insurance is a tailored SME insurance plan that provides comprehensive health coverage for your employees. It covers hospitalization, medical treatments, wellness programs, and more, helping businesses attract and retain talent while ensuring employee well-being.

Employees in a workplace

Why You Need Group Health Insurance?

Medical Coverage

Covers hospitalization and treatments.

Employee Retention

Attracts and retains top talent.

Wellness Benefits

Includes health check-ups and wellness programs.

Financial Protection

Reduces out-of-pocket medical costs.

Peace of Mind

Ensures employee and business stability.

What Is Covered / Not Covered

Covered

  • Hospitalization Expenses
  • Outpatient Treatments
  • Pre and Post-Hospitalization Costs
  • Annual Health Check-Ups
  • Maternity Benefits (Optional)

Not Covered

  • Cosmetic Treatments
  • Non-Medical Expenses
  • Pre-Existing Conditions (Unless Specified)
  • Self-Inflicted Injuries
  • Experimental Treatments

Types of Coverage Available

In-Patient Care

Covers hospitalization and surgeries.

Out-Patient Care

Covers consultations and diagnostics.

Wellness Programs

Includes health check-ups and screenings.

Maternity Benefits

Covers delivery and newborn care.

Emergency Services

Covers ambulance and emergency care.

Pre/Post-Hospitalization

Covers related expenses before and after hospitalization.

Who Can Buy This Insurance?

Manufacturing Units

SMEs with factory workers.

Retail Businesses

Shops with in-store staff.

Tech Startups

IT and tech-based small businesses.

Restaurants & Cafes

Food businesses with staff.

Service Providers

Consultants and service agencies.

Logistics Companies

Firms with transport staff.

How to Buy / Apply

Step 1: Share Details

Provide business and employee details.

Step 2: Select Plan

Choose coverage for your workforce.

Step 3: Get Quote

Compare plans and finalize policy.

Step 4: Pay & Receive

Pay online and get policy instantly.

Claim Process

Step 1: Notify Insurer

Inform us about the medical claim.

Step 2: Submit Documents

Provide medical bills and reports.

Step 3: Claim Review

Claim assessed by our expert team.

Step 4: Claim Payout

Receive approved claim amount.

Frequently Asked Questions

Is Group Health Insurance mandatory?

No, but it’s highly recommended to support employee health and compliance.

Can family members be included?

Yes, family coverage can be added as an optional benefit.

Does it cover pre-existing conditions?

Pre-existing conditions may be covered after a waiting period or with specific add-ons.

Can I customize the policy?

Yes, you can tailor the policy to include specific benefits like maternity or dental care.

What’s the minimum premium?

Premiums vary based on employee count, coverage, and add-ons. Get a quote for exact pricing.

Contact & Support

Customer Care

Call us at: +91 8827275975

Email Support

Reach us at: support@apsinsurancevia.com

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