Group Mediclaim Insurance (GMC)
Cashless health cover for employees and their families.
Group mediclaim is one of the most valued employee benefits. Group plans usually cover pre-existing diseases from day one with no waiting periods, and can include spouse, children and parents. We design the policy, run enrolment and help employees with claims so HR does not have to.
Who needs it
- Employers of any size who want to attract and retain staff
- Companies moving from reimbursing medical bills to a formal policy
- Businesses renewing a group policy who want a better deal or service
What's covered
Hospitalisation
Room, ICU, surgery, medicines and tests for covered members.
Day-one cover
Pre-existing diseases and waiting periods are usually waived in group plans.
Family cover
Spouse and children, with optional cover for parents.
Maternity
Normal and caesarean delivery, and newborn cover, if chosen.
Cashless network
Cashless admission at network hospitals through the TPA.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Cosmetic treatment and non-medical items
- Outpatient costs unless OPD cover is added
- Room rent above the chosen limit (proportionate deduction may apply)
Popular add-ons
Parents cover
Include employees' parents, often with a co-pay.
Corporate buffer
An extra pool for members who exhaust their cover.
OPD and wellness
Consultations, pharmacy and health check-ups.
Documents checklist
To get a quote or buy
- Member census: employees and dependants with date of birth, gender and relationship
- Company KYC and GST certificate
- Current policy and claims data (if renewing)
To make a claim
- E-card or policy number
- Pre-authorisation (cashless) or claim form (reimbursement)
- Discharge summary, bills and reports
- Employee KYC and cancelled cheque
Frequently asked questions
What is the minimum group size?
It varies by insurer; many insurers start from a small group of employees. Share your headcount and we will get quotes.
Can we add employees during the year?
Yes. New joiners and their dependants are added through the year on a pro-rata premium.
Why did our renewal premium go up?
Group premiums depend heavily on your claims ratio. We analyse your claims and negotiate, or redesign the cover, at renewal.
Related cover
Group Term Life Insurance (GTLI)
Employer-paid life cover for employees, as a flat amount or a multiple of salary, with simple group underwriting.
ExploreGroup Personal Accident Insurance
Accidental death and disability cover for employees under one policy, with optional weekly income benefit and accident medical expenses.
ExploreFire & Burglary Insurance
Property cover for buildings, machinery and stock against fire and allied perils, with burglary cover for theft after forced entry.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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