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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
Why protect your employees’ health with a Group Health Insurance policy?
What’s great about Group Health Insurance by Digit?
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!
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
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.
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
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
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
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
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 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 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
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
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?
Key Benefits of a Group Health Insurance by Digit
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Premium |
Starting at ₹1302 per employee |
|
Copayment |
No Age Based Copayment |
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Cashless Hospitals |
10500+ Cashless Hospitals Across India |
|
Buying & Claim Process |
Paperless Process, Digital Friendly |
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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 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.
Advantages of a Group Health Insurance
What employers should look for when buying a Group Health Insurance policy in India?
Benefits of a Group Health Insurance for Employees
How is a Group Health Insurance different from an Individual Health Insurance?
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Individual Health Insurance |
Group Health Insurance |
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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. |
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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. |
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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. |
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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. |
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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
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Digit Group Health Insurance |
Digit Illness Group Insurance (COVID-19) |
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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
Disclaimer: This data includes members covered under Digit Health Plus Policy (Revision) and Digit Illness Group Insurance Policy since inception till 13th September 2021.
