Corporate Group Health Insurance - An Intro

As the name implies, Corporate Group Health Insurance is wherein the employer provides healthcare coverage to the employees (which in many cases extends to the employees' families as well). For working professionals, a group health insurance plan is one of the most lucrative perks offered by employers. More often than not, these plans are uniform, offering the same features and benefits to all the members of the group being insured.

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Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

Corporate Health Plans are Usually of Two Types:

  • Contributory plans wherein the group member/employee needs to pay a part of the premium along with the employer.
  • Non-contributory plans wherein the employer pays the premium in full.

The biggest benefit of group health insurance is that it is way cheaper than individual health plans (per person). Hence, it is beneficial for those people who cannot afford decent health cover by themselves. The insured group member/employee should never hesitate to question the features and exclusions of the plan being offered by your employer. 

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Who do you want to insure?

  • Employees
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Minimum lives should be 7

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Include maternity coverage

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The reason why it comes at a subsidized rate is simple to understand, the risk taken by the insurer is spread over a number of people rather than a single person, thus thinning it out. One might wonder how the premium set on corporate group health insurance plans is. Here’s how it works. The insurance company assesses the risk factor on each member enlisted in the plan. Subsequent to that, the risk factor is blended and the premium is fixed on the averaged risk factor of the group.

Most of the organizations today provide group health insurance coverage to their employees but it is always better to get an individual health insurance plan even if your employer has got you insured. The reason being, that corporate health plans are valid only as long as you are an employee of the company. So obviously your group health plan will cease to cover you when you leave your current organization. The new organization that you join might give you a lower health cover that would not suffice your healthcare needs or it might not offer a health cover at all. Hence, it is imperative to get an individual health insurance plan as well.

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Group Health Insurance Premium Calculator

Who do you want to insure?

  • Employees
  • Employees & their family
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Minimum lives should be 7

  • 1 Lakh
  • 2 Lakh
  • 3 Lakh
  • 4 Lakh
  • 5 Lakh

Include maternity coverage

Premium starts from

(Excluding GST)

Let's find the right plan for you

Speak to our experts to get the right plan for your company's needs

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Written By: PolicyBazaar - Updated: 21 November 2023

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Policybazaar for Business - Group Health Insurance - Customer Reviews
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4.4/5
Based on 189 reviews
4.4
out of 5
Based on 189 reviews
38 users
136 users
15 users
0 users
0 users
3.8 April 09, 2023
Mansi
Excellent Support
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.
Pune