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A Group Health Insurance Policy is a health coverage plan designed for a group of people under a single policy, typically offered by employers to their employees. Group health plans often include benefits like hospitalisation cover, pre and post-hospitalisation expenses, and sometimes wellness programs or preventive care.
By offering group health insurance, organisations ensure financial security and peace of mind for their employees, making it an essential part of modern workplace benefits.
Table of Contents
Group Health Insurance is a type of health insurance plan that covers a group of people who work under the same organization. It is often offered as a valuable benefit for employees, as the employer bears the premium. In some cases, the coverage can be extended to the employee's family members. 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.
Group health insurance is one way to invest in the health and well-being of employees. This helps to ensure that workers value the financial stability and health benefits of insurance coverage even more.
There are many reasons why group insurance is important for companies, and as an employer, you can support employee wellness in a number of ways with a group health insurance plan.
Employees are the backbone of any successful company and protecting their health and well is isnt just a responsibility but a smart choice. With Digit’s group medical insurance, you can foster financial protection during emergencies your employees might face.
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.
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 medical insurance covers companies of all shapes and sizes.
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
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
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
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.
Hassle-Free Experience
It might be difficult to administer group medical coverage for all employees. To simplify policy management, we handle everything from enrollment to the claim process.
9000+ Cashless Hospitals
With more than 9000+ cashless hospitals across India, your employees can be covered easily no matter where they are in the country! With this benefit, we will pay the hospital bill directly without having your employees worry about it.
Customization Options
Every employee is unique, and they should also have different health insurance. Employers can use Digit to allow their policyholder (company) to personalize the benefits and coverage of their Group Mediclaim Policy.
Highest Health Claim of ₹16.77 Lakh Settled by Digit in FY 2024-25
A Bengaluru customer faced a serious and complex medical condition, leading to a treatment bill running into lakhs. Digit settled its highest health insurance claim in FY 2025, amounting to approximately ₹16.77 lakh.
What mattered more was how quickly and transparently we stepped in. From the initial notification to the final settlement, the entire claim was handled with empathy, clarity, and minimal stress.
At Digit, it’s not the size of the bill that moves us; it’s the trust behind every claim we settle. 🙂
Over ₹27 Crore Settled for Pre and Post-Hospitalisation Expenses in FY 2024-25
At Digit, we believe health insurance is more than just hospital bills. This year, a patient undergoing treatment for malignancy received coverage not only for their hospitalisation but also for over 10 pre and post-hospitalisation visits, with a total payout exceeding ₹1.4 lakh. This reflects our commitment to supporting patients through every step of their recovery journey.
In fact, Digit paid out more than ₹27 crore this year alone towards pre and post-hospitalisation expenses, proving that genuine care extends before and after hospitalisation as well.
This is what we mean when we say insurance that supports the full journey, not just the hospital stay. 🙂
7,747 Babies Covered Under Their Parents' Policies in FY 2024-25
In FY2025, Digit proudly covered around 7,747 babies under their parents’ policies, protecting the newest generation with the same care and commitment as every policyholder.
Among these little ones, the most popular baby names were Shivansh and Fatima, reflecting the diverse families Digit supports across India. 🙂
This wouldn’t be possible without Digit’s flexible family health plans, which automatically extend coverage to newborns, making it easy for parents to safeguard their little ones from day one.
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
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
According to a WHO study, at least 6.5% of India’s population suffers from a serious mental disorder. Luckily, our health insurance will also cover your employee’s psychiatric support.
Critical Illness Cover
Critical Illnesses are on the rise today. Our plan includes a critical Illness benefit in health insurance so that your employees and their dependents will be covered in case they are diagnosed with any Critical Illnesses.
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.
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.
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered, unless they lead to hospitalisation.
PED Before 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.
Hospitalisation without Doctor’s Recommendation
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
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Copayment |
No Age Based Copayment |
|
Cashless Hospitals |
9000+ Cashless Hospitals Across India |
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Buying & Claim Process |
Paperless Process, Digital Friendly |
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Point of Contact |
Single Point of Contact |
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Day Care Procedure |
Treatment that takes less than 24 hours is covered |
FY 2024-25 was not just a year of growth; it was a year of record-breaking moments for Digit. From policy issuance to claims servicing, the scale of operations reached new heights, powered by automation, efficiency, and customer-first innovation. Here are a few standout highlights:
We covered 3,94,750 employees under a single group health insurance. These milestones are proof that when technology, intent, and empathy work together, insurance can be made refreshingly simple.
Group insurance does not only benefits the employers but also the employees. From covering medical expenses to ensuring peace of mind, it creates a safety net that empowers the employees to focus on what best they do.
Here are some of the benefits of a corporate health insurance policy for employees:
Typically, any organization with 10 or more members should protect their employees with health insurance. We break it down for you if you are unsure whether you need one.
To buy a group health insurance plan, choose the provider that best suits your needs. For example, if you choose a provider like Digit Insurance, here are the steps you can follow:
Step 1 – Visit the Digit Insurance website and look for group health insurance.
Step 2 - Fill out all your details, such as name, organisation name, number of employees, designation, email, ID, and phone number.
Step 3 – Enter the code you received to verify your mobile number.
Step 4 – Someone from Digit’s team will give you a callback.
Easy Right? Yes, buying a group health insurance policy is as simple as that. Rest, everything will be taken by us. 😀
A group mediclaim policy can be claimed multiple times a year until the whole sum insured in health insurance is exhausted. The claiming process is a simple and easy procedure. The hospital you select will determine the claim procedure.
You can file a cashless claim if you have chosen a network hospital, or you can use a reimbursement claim procedure if you have chosen a non-network hospital.
Step 1: Notify your insurer and select a network hospital for your treatment before getting your parent's hospitalization.
Step 2: Show your parent’s e-health card at the network hospital helpdesk and ask for the pre-approval.
Step 3: Fill out and sign the form and submit it to the helpdesk.
Step 4: After verification, the insurance company will take care of the cost involved in the treatment.
Also Read: Cashless Medical Insurance Policy
Step 1: If you select a non-network hospital for your parent's treatment, keep all the medical bills, reports, and other essential expense documents with you.
Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.
Step 3: The insurer will verify the documents, and you will receive a reimbursement for the treatment.
Below is a concise overview of the essential documents required to file your claim.
Note: The documents listed above are the standard requirements for filing an insurance claim. The company might ask for additional documents based on your requirement or policy terms.
75% of Cashless Health Claims Approved in Just 30 Minutes at Digit
At Digit, in the second half of FY25, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.
Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.
65% Cashless Discharge Approved in Just 60 Minutes at Digit
At Digit, in the second half of FY 2024-25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.
While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.
Almost 70% of Reimbursement Claims Settled in Just 2 Days
Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2024-25 was just 2.43 days.
Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.
1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25
At the heart of smooth insurance experiences lies something you never see!! 😁
At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY 2025 alone, they registered over 1.1 lakh claims, cutting down processing time.
No breaks and no delays. Fewer forms and faster care! ☺️
The data below is for all the products as given in the table below:
9.16 Lakh Claims Settled
Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.
Because when life takes a sudden turn, your insurance should move forward, not hold you back.
₹4,622 Crore Paid in Claims
At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.
Quick settlements, zero confusion, and absolute peace of mind.
Group health insurance is a valuable benefit for organizations to offer their employees, but choosing the right plan requires careful consideration. Here are some factors you must analyse before purchasing group health insurance to get comprehensive health coverage for your employees:
However, the coverage, exclusions, and add-ons of the group health insurance policy and individual health insurance policy might seem similar, but they are widely different depending on several factors. Let’s understand these factors in detail:
In conclusion, a corporate group health insurance policy is a powerful tool for fostering employee satisfaction and loyalty. By addressing their healthcare needs and reducing financial uncertainties, organizations demonstrate their commitment to employee well-being.
A healthy workforce is the cornerstone of a thriving business, making group health insurance a win-win for both employees and employers.
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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Have queries related to Digit health insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
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Write to us at healthclaims@godigit.com
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