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Group health insurance (also called group mediclaim policy or corporate health insurance) is a single health insurance policy purchased by an employer or organization to provide medical coverage to all employees and sometimes their dependents. It covers hospitalisation, pre and post-hospitalisation expenses, daycare procedures, and more — at premiums significantly lower than individual health plans. In India, providing health insurance to employees with 10+ workers is mandatory post the COVID-19 pandemic under government regulations.
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E-Insure First is an insurance aggregator helping users compare IRDAI-approved health insurance plans in India. We work with leading insurance providers in India to ensure users get access to reliable and updated plan information.
Star Health is one of India's leading standalone health insurers, offering flexible group mediclaim plans for SMEs and large organizations. Its plans focus on broad healthcare coverage and cashless hospitalization.
HDFC ERGO offers comprehensive group health insurance plans designed for businesses of all sizes. Known for its strong digital experience and extensive hospital network, it helps employers provide quality healthcare benefits to employees.
ICICI Lombard provides customizable corporate health insurance solutions tailored to workforce needs. The insurer is known for its technology-driven claim support and employee wellness features.
Bajaj Allianz offers affordable and flexible group health insurance plans suitable for startups, SMEs, and large enterprises. The plans provide comprehensive medical coverage and employee-friendly benefits.
Aditya Birla Health combines health insurance with wellness-focused benefits to encourage healthier lifestyles. It is ideal for employers seeking preventive healthcare solutions.
Tata AIG offers comprehensive employee health insurance plans backed by strong customer service and flexible policy options. It is widely preferred by manufacturing and corporate sectors.
SBI General provides reliable group mediclaim policies backed by one of India's most trusted financial brands. Its plans are suitable for organizations seeking cost-effective employee coverage.
New India Assurance is a government-owned insurer offering trusted and widely accepted group health insurance solutions. It serves organizations across various sectors..
Care Health Insurance offers feature-rich group mediclaim plans with high coverage limits and employee-focused benefits. It is popular among growing businesses and SMEs.
Niva Bupa focuses on customer-centric healthcare solutions with modern coverage features and a strong hospital network. Its plans are designed to support employee wellness and financial security.
Reliance General provides affordable group health insurance plans with customizable coverage options. It is a good choice for businesses looking for value-driven employee benefits.
ACKO offers fully digital group health insurance plans designed for startups and modern workplaces. Its technology-first approach simplifies policy management and claims.
Kotak Mahindra provides comprehensive employee healthcare solutions with flexible coverage and wellness benefits. It caters to businesses looking for customizable health plans.
ManipalCigna specializes in health-focused insurance products with broad coverage options and wellness programs. It is suitable for organizations seeking enhanced healthcare benefits.
ManipalCigna specializes in health-focused insurance products with broad coverage options and wellness programs. It is suitable for organizations seeking enhanced healthcare benefits.
Oriental Insurance offers reliable group mediclaim policies backed by decades of experience in the insurance industry. Its plans are commonly used by government and private organizations.
United India Insurance provides affordable group health insurance plans for businesses, associations, and institutions. Its plans focus on broad healthcare access and dependable service.
National Insurance offers corporate health insurance solutions with comprehensive medical coverage and a strong nationwide presence. It is a popular choice among established organizations.
Group health insurance is a type of health insurance policy that covers a group of people — typically employees of a company, members of an association, or a cooperative group — under a single master policy.
The employer (policyholder) pays the group health insurance premium, and every employee is covered uniformly under the policy. Depending on the plan, group health insurance for employees can also extend coverage to spouses, dependent children, and in some cases, parents.
The fundamental difference from individual health insurance: you don't need to buy separate policies for each employee. One group health insurance policy covers everyone — making it far more cost-effective for businesses of all sizes.
In April 2020, following the COVID-19 pandemic, the Indian government made it compulsory for all employers to provide medical insurance for employees.
Beyond compliance, the numbers make a strong business case: according to HR surveys, 68% of employees prioritize health insurance when evaluating job offers, making corporate group health insurance the single most important retention benefit you can offer.
| Feature | Details |
|---|---|
| Coverage | All employees under one master policy |
| Premium Payer | Employer (sometimes co-paid with employees) |
| No Medical Screening | Most plans don't require pre-medical tests |
| Pre-existing Conditions | Covered from day one in most group plans |
| Sum Insured | ₹1 lakh to ₹10 lakh+ per employee (customizable) |
| Cashless Treatment | Available at 10,000–14,000+ network hospitals |
| Dependent Coverage | Spouse, children, parents (optional add-on) |
| Tax Benefit | Premium deductible for employer under Income Tax Act |
| Policy Term | Annual, renewable each year |
Understanding the clear boundaries of your corporate policy ensures seamless processing and eliminates surprises during critical medical situations.
All in-patient treatment costs including room rent, doctor fees, nursing charges, ICU charges, and medicines during hospitalisation — provided the stay is a minimum of 24 hours.
Medical expenses incurred before admission (diagnostics, consultations) — typically 30 days prior — and after discharge — typically 60–90 days post-hospitalisation.
Medical treatments and procedures that don't require 24-hour hospitalisation — such as cataract surgery, chemotherapy, dialysis, and 500+ other listed procedures.
Transportation costs for emergency hospital transfer. Covered up to a defined limit under most corporate group health insurance plans.
Unlike individual health insurance with waiting periods of 2–4 years, most group health insurance plans cover pre-existing diseases from day one. This is one of the biggest advantages for employees with chronic conditions.
Many group mediclaim policies offer maternity benefits as an add-on — covering delivery expenses, pre and post-natal care, and newborn coverage from birth.
Employees can walk into any network hospital and receive treatment without paying out of pocket. The insurance company settles the bill directly with the hospital.
Some corporate health insurance plans include outpatient department (OPD) coverage — doctor consultations, pharmacy bills, diagnostic tests — outside of hospitalisation.
Modern group health insurance plans increasingly include teleconsultations, mental health support, fitness programs, and preventive health checkups.
Procedures done purely for aesthetic reasons — plastic surgery, hair transplants, dental cosmetics — are excluded unless arising from an accident.
Injuries resulting from self-harm or suicide attempts are not covered.
Treatment for alcohol, drug, or tobacco-related conditions is typically excluded.
Any hospitalization arising from war, nuclear events, or terrorism is excluded.
OPD medicines not prescribed by a registered doctor, or experimental treatments, are excluded unless specifically added.
The most common type. An employer purchases group health insurance for employees as an employment benefit. Coverage can be extended to employee families. The employer pays the full premium and gets tax benefits.
Available for associations, co-operative societies, bank customers, credit card holders, professional bodies, and borrowers. SBI group health insurance and similar bank-linked plans are popular examples of this type.
Similar to individual personal accident insurance but extended to an entire group — covering death, disability, and injury arising from accidents. Often bundled with corporate group health insurance.
Some employers extend group health insurance to cover employee families — spouse, dependent children, and sometimes parents — under a family floater add-on within the group policy.
A supplementary group health insurance plan that kicks in once the base sum insured is exhausted. Ideal for companies wanting higher coverage without significantly increasing premium costs.
Want to compare group health insurance plans side by side? Get instant quotes from 20+ insurers — no agent, no spam, no pressure.
| # | Company | Network Hospitals | Key Highlight | Free Quote |
|---|---|---|---|---|
| 1 | Star Health Group Insurance | 14,000+ | Largest standalone health insurer; strong claims record | Get Free Quote → |
| 2 | HDFC ERGO Group Health Insurance | 13,000+ | Excellent digital claims process and fast settlements | Get Free Quote → |
| 3 | ICICI Lombard Group Health Insurance | 9,400+ | Ideal for large corporates; highly customizable plans | Get Free Quote → |
| 4 | SBI General Group Health Insurance | 6,000+ | Trusted brand with strong employer group plans | Get Free Quote → |
| 5 | Bajaj Allianz Group Health Insurance | 10,000+ | Competitive premiums for SMEs and startups | Get Free Quote → |
| 6 | Aditya Birla Group Health Insurance | 9,000+ | Wellness-focused benefits and preventive care programs | Get Free Quote → |
| 7 | Tata AIG Group Health Insurance | 7,000+ | Suitable for manufacturing and industrial workforces | Get Free Quote → |
| 8 | New India Assurance Group Health Insurance | 8,000+ | Government-backed insurer with extensive reach | Get Free Quote → |
Get instant quotes from 20+ insurers — no agent, no spam, no pressure.
| Feature | Group Health Insurance | Individual Health Insurance |
|---|---|---|
| Who Buys It | Employer / Organization | Individual person |
| Premium | Lower (shared corporate risk pool) | Higher |
| Pre-existing Disease Wait | Usually None Day one cover | 2–4 years waiting period |
| Medical Test Required | Mostly no | Sometimes yes (based on age/sum insured) |
| Coverage Continuity | Ends if you leave the job | Continues as long as you renew |
| Customization | Limited (employer decides) | Fully customizable |
| Family Coverage | Optional add-on | Separate family floater plan |
| Tax Benefit | For employer (business expense) | For individual (Section 80D) |
Group health insurance wins on price, pre-existing coverage, and ease of enrollment. Individual health insurance wins on portability and long-term continuity. Ideally, employees should have both.
In today's job market, corporate group health insurance is a hygiene factor — candidates expect it. Offering a robust group mediclaim policy significantly improves offer acceptance rates and reduces attrition.
Premiums paid for employee medical insurance are 100% deductible as a business expense under the Income Tax Act. This reduces your net premium cost significantly.
Healthy employees are productive employees. When teams aren't worried about medical bills, focus and morale improve. Companies with corporate health insurance report lower absenteeism.
Many employers offer group health insurance as part of their employee benefits strategy and workplace welfare initiatives. Businesses should consult legal, HR, or compliance professionals regarding any specific employee health coverage obligations applicable to their organization. A group health insurance policy keeps you compliant and avoids penalties.
You can tailor your group health insurance plans to your workforce — adding maternity benefits, OPD cover, dental, vision, or mental wellness programs based on team demographics.
Unlike individual policies with long waiting periods, most group health insurance for employees covers pre-existing conditions immediately. For employees with diabetes, hypertension, or other chronic conditions, this is invaluable.
Employees need to undergo medical tests to be enrolled. Everyone is covered regardless of health history — making it highly inclusive.
Most employers pay the full group health insurance premium, making it a zero-cost benefit for employees. Even when employees share the premium, group rates are significantly lower than individual plan rates.
Many group mediclaim policies allow employees to add family members — spouse, children, parents — at nominal additional premiums or sometimes at no extra cost.
Employees can receive treatment at 9,000–14,000+ network hospitals across India without paying upfront. The insurer settles directly with the hospital.
Count your employees. Note the age profile, locations, and any specific health needs (maternity needs, pre-existing conditions, etc.). This shapes your sum insured and plan choice.
Decide on:
Use a group health insurance premium calculator to get quotes across multiple insurers. Compare on sum insured, network hospitals, exclusions, and claim settlement ratio — not just premium price.
Look for a claim settlement ratio above 90%, a strong hospital network in your employees' cities, and good customer/TPA support.
Submit employee data (name, age, relationship details for family cover) to the insurer. Employees get health cards and policy documents.
Review your plan at renewal. If claims were high, consider upgrading the sum insured. Add or remove employees as your team changes.
Buying group health insurance online has never been simpler. At EinsureFirst, you can:
Enter your company size and employee details
Select sum insured and coverage preferences
Compare group health insurance plans from 20+ insurers instantly
Get your group health insurance premium quote in real time
Pay and issue policies digitally — same day
You don't need to be a large corporation to offer group health insurance for startups or a small business group health insurance plan. Most insurers offer policies for groups as small as 7–10 employees.
Small group health insurance plans from Star Health, HDFC ERGO, and Digit Insurance are particularly popular among Indian startups and growing SMEs.
Competitive talent acquisition against larger companies
No medical screening required — easy onboarding
Flexible sum insured options starting from ₹3 lakh
Online enrollment and management
Monthly or quarterly premium payment options at some insurers
Group health insurance offers affordable healthcare coverage, cashless hospitalization, financial protection, and valuable employee benefits, helping businesses support a healthier and more productive workforce.
Group health insurance plans usually have lower premiums than individual health insurance policies because the risk is spread across a larger group of employees.
Most group health insurance plans cover hospitalization expenses, daycare procedures, ambulance charges, pre- and post-hospitalization costs, and cashless treatment at network hospitals.
Unlike many individual policies, group health insurance often provides coverage for pre-existing medical conditions from day one, without lengthy waiting periods.
A group health insurance policy helps employees and their families manage unexpected healthcare expenses, reducing out-of-pocket costs during medical emergencies.
Offering employee health insurance benefits improves job satisfaction, boosts morale, and helps businesses attract and retain talented professionals.
Businesses can claim tax deductions on premiums paid for employee group health insurance plans, making it a cost-effective employee benefit.
Many group medical insurance plans allow employees to include spouses, children, and dependent parents, providing broader healthcare protection for the entire family.
Employees can access cashless treatment at a wide network of hospitals, ensuring quick medical care without arranging immediate funds.
Group health insurance plans generally require minimal paperwork and simplified enrollment, making coverage accessible to all eligible employees.
Healthy employees are more productive and take fewer sick leaves. A robust group health insurance policy promotes employee well-being and supports a healthier workforce.
At E-Insure First, our goal is to help you make informed health insurance decisions with confidence. While claim approvals and settlements are handled directly by the insurance company or TPA, we support you throughout your insurance journey by:
Explaining health insurance policy terms and coverage in simple language
Helping you compare plans from multiple insurers based on your needs and budget
Guiding you through the cashless and reimbursement claim processes
Providing insurer and TPA contact details when claim assistance is required
Helping you understand waiting periods, exclusions, and claim documentation requirements
Assisting you in choosing a policy that offers the right coverage and value
Our team is committed to making health insurance easier to understand, so you can choose the right plan and avoid surprises when you need coverage the most.
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