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Group Health Insurance for Employees

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Terms & Conditions

By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance) to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer you information and services for the product(s) you have opted for as well as other products/services offered by Digit Insurance. Please note that such authorization will be over and above any registration of the contact number on TRAI’s NDNC registry.

What is Group Health Insurance?

A Group Health Insurance is a type of health insurance plan that covers for a group of people who work under the same organization. This is often offered as a valuable benefit for employees as the premium for the same is borne by the employer. The group health insurance coverage can be extended to the family members of the employees in some cases. This insurance plan is also referred to as corporate health insurance or employee health insurance. 

However, the price for the same is comparatively a lot lesser as compared to individual health insurance plans and also benefits employers in tax reductions, therefore making it beneficial for both the employer and employee.

At Digit, we offer both a comprehensive employee health insurance plan to cover for your employees from all illnesses and diseases, and a COVID-19 specific group cover to ensure your employees are covered against this grave pandemic.  

Digit Health Plus Policy (Revision) - GODHLGP21487V032021

Group Medical Health Insurance Policy

Why protect your employees’ health with a Group Health Insurance policy?

  • Boost Employee Retention - People value jobs that give them a sense of security. A group health insurance will not only give your employees and their families enough financial security, but an overall sense of satisfaction that their employer actually cares about them.
  • Financially secure them during the COVID-19 Pandemic - Amid the pandemic, financial security has become of utmost importance given the downfall in the economy and increasing pay cuts across sectors. Protecting your employees from treatment expenses that could arise out of this virus is the least you can do to ensure they’re both financially and medically secure.
  • Strengthen Employee Motivation - Happy employees make happy workspaces and evidently successful companies! It’s no surprise that the safer and satisfied employees feel, the happier and more motivated they’re likely to be! 
  • Protect them from Severe Health Conditions - More than 61% of illness hospitalization and death in India are due to lifestyle-related diseases. Safeguard your employees from the same, amongst other diseases; the earlier these issues are diagnosed, the earlier they can be treated and resolved. 
  • Enhance their Mental Wellbeing - Many employees are often affected by stress due to either financial pressure or other personal issues which can lead to lower productively levels at work too. Our group health insurance plan will not only safeguard their savings but, also enhance their overall mental wellbeing with the right support. 

What’s great about Group Health Insurance by Digit?

Easy Online Processes

Easy Online Processes

No one likes to waste their time on lengthy paperwork, and we understand that. Right from the process of buying a group health insurance plan to making claims is paperless, easy, quick and hassle free! After all, we are part of the digital revolution.

COVID-19 is covered!

COVID-19 is covered!

Given the rise in cases every day and India already being the third worst-hit country, covering for your employees from COVID-19 is the least you can do for their financial and physical health and wellbeing. You can either choose to go for a group health insurance covering the COVID-19 only or go for a full-fledged corporate health insurance plan covering all diseases and illnesses.

Cashless Claims

Cashless Claims

Gives your employees the option to opt for cashless claims through a wide network of our hospitals spread across India. So, no matter where they are in India, they’ll always be covered at ease!

Low Cost Premium

Low Cost Premium

Being a digital health insurance provider, our health insurance premiums come with low-cost premiums, so you can cover all your employees conveniently.

Post Hospitalization Lumpsum Benefit

Post Hospitalization Lumpsum Benefit

We take the idea of simple and quick claims seriously. A post-hospitalization lumpsum gives people the benefit to take care of their post-hospitalization expenses without having to collect bills, receipts, etc.

One Point of Contact

One Point of Contact

No need to coordinate with multiple points of contact and third parties. With Digit’s Group Health Insurance, you only need to stay in touch with us and no one else.

Group Health Insurance for All Company Sizes

Group Health Insurance for All Company Sizes

Everyone deserves to be protected. It doesn’t matter whether you’re a 10-member team or a 25+ member startup, our group health insurance covers companies of all shapes and sizes.

10500+ Cashless Hospitals

10500+ Cashless Hospitals

With more than 10500+ cashless hospitals across India, your employees can be covered at ease no matter where they are in India!

What is Covered in Group Health Insurance by Digit?

Accidental Hospitalization

Accidental Hospitalization

In case your employee or their dependent get into an accident, this covers for all pre and post hospitalization expenses such as road ambulance charges, room rent, diagnosis, day care procedures, etc.

COVID-19 Hospitalization

COVID-19 Hospitalization

In case your employee or his/her family members are tested positive for the COVID-9, this corporate health insurance will cover for its hospitalization costs.

Illness Related Hospitalization

Illness Related Hospitalization

Sometimes, some illnesses require hospitalization. This benefit will cover your employee and their dependents for all treatment and hospitalization expenses.

Daily Hospital Cash Cover

Daily Hospital Cash Cover

In case your employee or their dependent is hospitalized, expenses go beyond just the hospital bill and this benefit helps people cover for just that.

Psychiatric Benefit

Psychiatric Benefit

According to a WHO study, at least 6.5% of India’s population suffer from a serious mental disorder. Luckily, our health insurance will also cover for your employee’s psychiatric support; after all mental health is just as important as physical health.

Critical Illness Cover

Critical Illness Cover

Critical Illnesses have been on a rise today. Our plan comes with a Critical Illness benefit included so that your employee and their dependents will be covered in case they are diagnosed with any Critical Illnesses.

Maternity Benefit with Newborn Baby Cover

Maternity Benefit with Newborn Baby Cover

This is something many young working professionals worry about! This benefit can be opted to cover for child delivery expenses for your employee or their spouse. It also covers expenses in case of an infertility treatment or medically necessary terminations.

Other Benefits

Other Benefits

Our health insurance plan also includes benefits to cover for things such as Alternate Treatment (AYUSH), Organ Donation Expenses, Infertility Treatment and Bariatric Surgeries among others.

What’s not covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization of the employee or their spouse.

PED Waiting Period

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made. However, in the case you wish to cover more than 50 members, there is a PED waiting period waiver.

Hospitalization without doctor’s recommendation

Any condition your employee gets hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

COVID treatment only for single cover

If you’re only opting for the COVID cover, then treatment is only applicable once the insured person has tested positive from a government authorized testing center.

Claims made before initial waiting period

For covid related claims, there is an initial waiting period of 15-days. Claims made before the completion of the same can’t be covered. 

Key Benefits of a Group Health Insurance by Digit

Premium

Starting at ₹1302 per employee

Copayment

No Age Based Copayment

Cashless Hospitals

10500+ Cashless Hospitals Across India

Buying & Claim Process

Paperless Process, Digital Friendly

Point of Contact

Single Point of Contact

Treatment for Coronavirus

Covered under group health insurance and offered as a separate group cover as well.

How to claim?

How to claim?

  • Whenever there’s a claim, let us know! Give us a call at 1800-258-4242 or email us at healthclaims@godigit.com
  • In case of a Cashless Claim, all your employee needs to do is choose a network hospital of their choice and display their e-health card and we’ll take care of the rest. The employee can also opt for up to 50% Advance Cash benefit by providing estimated medical expenses.
  • In case an employee wants to opt for a hospital not part of our network, they can opt for Reimbursement by submitting required documents such as medical bills, test reports, consultation summary, etc.

How does a Group Health Insurance plan work?

  • A company generally opts for a respective health insurance provider to cover their employees with a group health insurance plan, the premium of which is usually paid out by the respective company itself, and offered to employees as a healthcare benefit. 
  • Since the group health insurance plan would be taken for all employees in the company, the basic plan and sum insured too would be the same for all employees. However, employees can also choose to add dependents such as their spouse and children and in some cases, also include their senior parents for an additional premium payout. 

What is the purpose of a Group Health Insurance for Employees?

Be the employer that actually cares about its employers. As the name suggests, a group health insurance is a type of health insurance policy dedicated to a group of people, working under one common umbrella.

Most commonly bought for employees of both young startups and large organizations, a group health insurance plan does not only benefit employees but, the employer too as people today are most likely to favor and retain with organizations offering useful benefits such as a health insurance. 

Who should buy a Group Health Insurance plan?

Typically, any organization with 10 or more members should protect their employees with a health insurance. If you aren’t sure whether you need one, we break it down for you.

Small Companies & Young Startups

If you’ve just started a young startup of your own and have at least up to 15 team members, then you could sign up for a group health insurance plan that won’t only protect your employees but, will also help in your tax savings. If you’re too worried about the costs, don’t worry- group health insurance plans are customized as per the company’s financial and employee strength.

Medium Sized Companies & Growing Startups

So, your company’s a young one but has been around for a while now. You can choose to protect your employees with a group health insurance plan. This won’t only help in increasing your employees’ happiness and motivation but will also help you retain them for longer.

Large Organizations & Established Startups

Being a large and established startup, organization – employees expect benefits such as a health insurance as part of their package. So, if you have a company that has up to 1000 members or less, you should cover them and their dependents with a corporate health insurance plan that won’t only give them a sense of security but, will also increase your organization’s goodwill.

Advantages of a Group Health Insurance

Low Cost Premiums

Since a group health insurance policy is spread over a group of people, the premium for the same is a lot cheaper than other health policies. 

Tax Benefits

According to the Income Tax Department of India, companies offering their employees with a corporate health insurance can benefit from some tax savings!

Company Goodwill

Organizations that offer their employees with valuable benefits lead to happier employees and happier work environments. This ultimately leads to a better goodwill for any company, big and small. After all, everyone loves a good old organization that cares about its people!

What employers should look for when buying a Group Health Insurance policy in India?

Meaningful Benefits

The primary purpose of a group health insurance plan is to provide employees with healthcare benefits and it only makes sense that the benefits should be those that an employee actually finds valuable. Therefore, the kind of benefits provided in a group health insurance plan should be of utmost priority when choosing the best group health insurance plan for your employees. For example: Given how affected India is by the COVID-19 pandemic, ensure your group health insurance covers the same.

Health Insurance Premium

At the end of the day, money matters! That’s why, it is crucial to evaluate how much your group health insurance will cost you and if that makes sense with respect to the benefits offered or not. Don’t blindly go for cheaper premiums, but corelate the benefits that come with it.

Communication Effectiveness

When you get a group health insurance, it’s not only the plan benefits that matter, but also how effective and responsive your insurer is as well. In times of need, you want to make sure your employees have a pleasant experience communicating and dealing with the respective insurer. Many times, insurance providers use third parties too as a mediator. In this case, you would want to make sure that the respective third-party administrator is good enough or not.

Service Benefits

When it comes to health insurance, service matters more than ever. After all, you need an insurer that will deal with healthcare matters with utmost care and sensitivity. Therefore, always evaluate and compare the service of different insurance providers before deciding on their group health insurance plan.

Geographical Coverage

Accidents and Illnesses could take place anywhere! Therefore, one of things to consider while choosing a group health insurance plan is whether it covers the entire country or not, and if it does then how many network hospitals are spread across the country, etc. 

Benefits of a Group Health Insurance for Employees

Default Healthcare Benefit

Most companies that offer group health insurance plans include the same as part of their employee’s annual benefits; i.e whether you opt for it or not, if your company has a group health insurance plan – you will be covered within it, without having to pay for the premium yourself. 

No Pre-Medical Tests Required

Generally, when you want to take up an individual health insurance, your insurer will most likely take up pre-medical tests before issuing and confirming your health insurance policy. However, in the case of a group health insurance plan the same is not required. Your policy is valid without the need to have to take any medical tests. 

No Premium

As mentioned above, most employers will typically include your health insurance plan in your annual benefits offered by the company. This means, you don’t have to pay for the premium of the same, and your company pays out the same for you. However, this could differ from employer to employer. But, whether your employer charges you for the same or not, the premium for the same is comparatively a lot less than an individual health insurance.

Simpler Claim Process

Since your employer is the one who has opted for the respective group health insurance plan, they would be the ones mainly maintaining all communication with the third-party administrator or insurer. Therefore, this reduces your efforts in having to communicate back and forth and instead, the claim process usually becomes a lot simpler for you.

How is a Group Health Insurance different from an Individual Health Insurance?

Individual Health Insurance

Group Health Insurance

In this case, every individual is the direct point of contact with their respective insurer.

Here, the company is the direct point of contact with the respective group health insurance provider.

Every individual holds the right to cancel their policy at any point in time.

In the case of a group health insurance, only the employer has the right to cancel the policy.

An individual policy is valid for as long as an individual has paid the respective premium year on year.

A group health policy is valid for as long as the employee is part of the respective organization.

An individual health policy is primarily dependent on an individual’s age, medical history, health conditions etc.

A group health policy is primarily dependent on the organization's strength; both financial and employee strength.

Typically, in any individual health insurance the insurer will have pre-medical checkups conducted, basis which policies are issued.

In a group health insurance plan, pre-medical check-ups are not conducted by the insurer, which reduces risk on policies being declined.

Difference between Group Health Insurance and Group Coronavirus cover by Digit

Digit Group Health Insurance

Digit Illness Group Insurance (COVID-19)

The Digit Group Health Insurance is a comprehensive corporate health insurance plan that covers all employees of an organization from hospitalization expenses arising out of illnesses, diseases and accidents. Additionally, Digit’s Group Health Insurance also covers the COVID-19, despite it being a pandemic.

Given the current situation, we understand that many businesses may not want to opt for a complete group health insurance cover given the premium costs and the ongoing financial insecurities currently. However, it has been recommended that employers cover their employees for at least the COVID-19. That’s why, we’ve created a customized cover for the same to help cover for all employees from the COVID-19 at an afforable group health insurance premium.

FAQs about Corporate Health Insurance for Employees in India

Is coronavirus covered in Digit Group Health Insurance?

Yes, the coronavirus is covered both in Digit’s Group Health Insurance and also offered as a separate cover too.

Yes, the coronavirus is covered both in Digit’s Group Health Insurance and also offered as a separate cover too.

What is the initial waiting period under Digit’s corporate health insurance?

The initial waiting period in our corporate health insurance is of 15 days only. However, the same can be waived off for organizations covering 50+ members.

The initial waiting period in our corporate health insurance is of 15 days only. However, the same can be waived off for organizations covering 50+ members.

What is a waiting period?

A waiting period refers to the amount of time one needs to wait for before they can start making claims for specific benefits.

A waiting period refers to the amount of time one needs to wait for before they can start making claims for specific benefits.

When should I get a group health insurance policy for my employees?

We believe every company should at least provide its employees with a basic group health insurance. If your organization strength at least includes 10 team members, then you should think about getting a group health insurance to protect them all. However, if due to the current situation you’re not able to do so, you can choose to go for just the coronavirus group cover to cover your employees from the coronavirus at an affordable cost.

We believe every company should at least provide its employees with a basic group health insurance. If your organization strength at least includes 10 team members, then you should think about getting a group health insurance to protect them all.

However, if due to the current situation you’re not able to do so, you can choose to go for just the coronavirus group cover to cover your employees from the coronavirus at an affordable cost.

Our workplace has only 10 to 15 members. Can I still buy a group health insurance policy for them?

Yes, you can.  Unlike other group health insurance policies, our Group Health Insurance is applicable to companies with minimum 10 members.

Yes, you can.  Unlike other group health insurance policies, our Group Health Insurance is applicable to companies with minimum 10 members.

What is Advance Cash benefit?

An advance cash benefit means basis the treatment costs and estimates of the insured, your insurer (a.k.a us!) will cover 50% of the estimated cost in cash so that they can be rest assured that they’re always covered and they need not wait until their treatment is over. While the remaining 50% estimated costs can be reimbursed post the treatment.

An advance cash benefit means basis the treatment costs and estimates of the insured, your insurer (a.k.a us!) will cover 50% of the estimated cost in cash so that they can be rest assured that they’re always covered and they need not wait until their treatment is over. While the remaining 50% estimated costs can be reimbursed post the treatment.

Who all can be covered in a Group Health Policy?

All employees above 18 years and below 70 years who are employed with an organization are eligible to be covered under an organization’s Group Health Policy. Additionally, they can also add their spouse and up to 3-children, aged between 3 months to 25 years.

All employees above 18 years and below 70 years who are employed with an organization are eligible to be covered under an organization’s Group Health Policy. Additionally, they can also add their spouse and up to 3-children, aged between 3 months to 25 years.

Is corporate health insurance cheaper than individual health insurance policy?

Yes, generally a corporate health insurance plan is cheaper since the cost is spread across a large number of people, i.e. employees. 

Yes, generally a corporate health insurance plan is cheaper since the cost is spread across a large number of people, i.e. employees. 

How to get an employee medical insurance for my small business?

At Digit, we offer a group health insurance customized for both big and small businesses. To get started on your plan, enter your details above and we’ll get back to you with a customized group health insurance quote.

At Digit, we offer a group health insurance customized for both big and small businesses. To get started on your plan, enter your details above and we’ll get back to you with a customized group health insurance quote.

I have a corporate health insurance plan. Is it possible to port my plan to Digit’s Individual Health Insurance?

This primarily depends on the type of corporate health insurance plan you have. Generally, corporate health insurance plans are paid for by your respective employer and are dissolved once you leave the company. However, what you could do is opt for an Individual Health Insurance, that will also help you in personal tax savings and give you additional healthcare benefits. 

This primarily depends on the type of corporate health insurance plan you have. Generally, corporate health insurance plans are paid for by your respective employer and are dissolved once you leave the company.

However, what you could do is opt for an Individual Health Insurance, that will also help you in personal tax savings and give you additional healthcare benefits. 

Can I have a corporate health insurance and an individual health insurance policy both at same time?

Yes, as mentioned above you can definitely have both a corporate health insurance plan and an individual health insurance policy. 

Yes, as mentioned above you can definitely have both a corporate health insurance plan and an individual health insurance policy. 

How do employer health insurance plans fare in terms of pricing?

The pricing of an employer health insurance plans differs company to company since every company comes with varied employee strength. An employer health insurance plan.

The pricing of an employer health insurance plans differs company to company since every company comes with varied employee strength. An employer health insurance plan.

How is a Group Health Insurance premium calculated?

A group health insurance premium is calculated on the basis of the number of employees, their ages, location and number of their dependents you would want to cover within the respective group health insurance plan. 

A group health insurance premium is calculated on the basis of the number of employees, their ages, location and number of their dependents you would want to cover within the respective group health insurance plan. 

What are the limitations of a Group Health Insurance?

While a group health insurance is beneficial for both the employer and employee, one of its biggest limitations is that, with respect to an employee the cover may not be enough to cover for all healthcare needs, as most Group Health Insurance plans are limited and generic in nature, unlike Individual Health Insurance plans that can also be customized as per personal healthcare requirements. However, an ideal way to go about this is to have both a group health insurance plan and an individual health insurance plan that prove to work well for both healthcare needs and tax savings.

While a group health insurance is beneficial for both the employer and employee, one of its biggest limitations is that, with respect to an employee the cover may not be enough to cover for all healthcare needs, as most Group Health Insurance plans are limited and generic in nature, unlike Individual Health Insurance plans that can also be customized as per personal healthcare requirements.

However, an ideal way to go about this is to have both a group health insurance plan and an individual health insurance plan that prove to work well for both healthcare needs and tax savings.

Disclaimer: This data includes members covered under Digit Health Plus Policy (Revision) and Digit Illness Group Insurance Policy since inception till 13th September 2021.

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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form. 

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

Select Language: English हिन्दी বাংলা मराठी తెలుగు ગુજરાતી ಕನ್ನಡ தமிழ்
  1. Digit Insurance
  2. Health Insurance
  3. Group Health Insurance

Last updated: 2023-03-23

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CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.