Group health insurance for IT professionals is a type of insurance policy that provides coverage to the insured in case of unforeseen medical expenses. The insurance policy provides coverage to the insured employees only during the tenure of their employment in the IT Company.
Importance of Group Health Insurance for IT/ITES Industries
Employees are one of the most important assets of an organisation. Since almost everything is done online using computers these days, IT professionals make sure that the company’s online data stay secured from external threats as well as keep fix the laptops of the other employees of the organisation in case they have to face any issue.
Hence, it becomes employer’s responsibility to give these IT professionals a reason to continue working in the organisation for a longer period of time and that is where the role of group medical cover for IT industry begins. It reflects the employer’s goodwill, helps in retaining good employees and standout in the market among other organisations.
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Coverage under Group Medical Insurance for IT/ITES Industry
Group health insurance for IT/ITES firms covers the following:
Pre-existing diseases are covered under this insurance from the 1st day of commencement of the policy.
Pre & post hospitalisation charges are covered under this insurance policy.
Insured employee’s new born baby is covered under the policy starting from the day of delivery.
The Doctor’s fee is also covered under this plan
Room rent charges as per specified in the policy copy is covered
Maternity cover is provided however, some of the plans come with 9 months of waiting period
Day care cover is provided
Domiciliary charges are covered under this policy
Medical tests such as radiotherapy, chemotherapy, etc. are covered
Extended cover for supplies such as oxygen, medicine, drugs, etc. are covered
Group Medical Insurance for IT/ITES Industry does not Cover
Group health insurance for IT/ITES firms does not provide coverage for the following:
There are several insurance plans that do not provide coverage for parents
Congenital diseases are not covered under this plan
Health-related complications due to over dose of drugs or alcohol abuse are not covered
Non-allopathic treatments such as Homeopathy or Ayurveda are not covered
Expenses incurred in the treatment of AIDS or other related diseases are not covered
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
Dehradun
4.3 April 01, 2023
Mahesh
Necessary Investment
It is a good and necessary investment. Thanks PB.
Lucknow
4.3 March 24, 2023
Surya
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
Bareilly
3.8 March 16, 2023
Naveen
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
Delhi
4.3 March 15, 2023
Rajesh
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
Delhi
3.8 March 02, 2023
Ravi
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
Pune
4.3 February 17, 2023
Diljeet
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
Coimbatore
4.3 February 04, 2023
Satya
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
Chennai
4.3 January 22, 2023
Abhishek
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
Delhi
4.3 January 09, 2023
Abhash
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.
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Disclaimers+
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer.
^ The pre-existing diseases are only covered as per insurer T&Cs.
#Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker. *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover. The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.
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