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Casualty Lines

Employee Benefits

Comprehensive group insurance schemes including medical, life, and personal accident for your workforce.

Overview

Employee Benefits (or Group Insurance) are insurance schemes provided by an employer to its employees. These plans are essential for attracting and retaining talent, while ensuring the welfare and productivity of your workforce. We customize plans to fit your company's budget and diverse employee needs.

1Who needs this?

SMEs
MNCs
Startups
NGOs
Educational Institutions

What it covers

  • Group Hospitalization and Surgery (GHS)
  • Group Term Life (GTL)
  • Group Personal Accident (GPA)
  • Outpatient Clinical (GP & Specialist)
  • Employee Assistance Programs
  • Critical Illness Benefit

What is NOT covered

  • Congenital conditions (often limited)
  • Cosmetic surgery and beauty treatments
  • Expenses related to self-injury
  • Routine dental or vision (unless specifically added)
  • Pregnancy and childbirth (optional extension)

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Major Surgery Support

"An employee at a local SME was diagnosed with an acute medical condition requiring immediate surgery. Through the Group Hospitalization scheme we structured for the company, the employee was admitted and treated at a top-tier private hospital with the bills settled directly by the insurer (Cashless Admission), allowing the employee to focus entirely on recovery without financial stress."

Frequently Asked Questions

What is the minimum number of employees required?
Most group medical plans start from as few as 3 to 5 employees for SMEs, making it accessible even for very small teams.
Can dependents be covered?
Yes, many employers choose to extend medical and life benefits to the spouses and children of their employees as a valuable perk.
Is medical check-up required for employees?
Usually, for standard benefits, there is 'Free Cover Limit' (FCL) where no medical check-up is required for employees unless the sum insured is exceptionally high.
How do 'Cashless Admissions' work?
Employees are issued a medical card (physical or digital) which is presented at panel private hospitals. The insurer then provides a Guarantee Letter (GL) to the hospital for direct settlement of eligible bills.
Can employees keep their cover if they leave the company?
Standard group policies are active only during employment. However, some insurers offer 'Portability' or individual conversion options at the time of resignation.

Other Insurance Solutions

Product Liability

For manufacturers, importers, and distributors against claims of injury or damage caused by products.

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Public Liability

Covers legal liability to third parties for death, bodily injury, or property damage at your premises.

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Employee Liability

Protects employers against legal liability for injuries or diseases sustained by employees during their employment.

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