Enhanced Employee Retention and Loyalty
A group health policy indicates that you value your workers' welfare. It helps reduce employee turnover rates and improves workplace satisfaction.
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Get Complete Protection For
Group Health Insurance
At Universal Sompo General Insurance, we understand that the health and well-being of your employees and their families are crucial to the success of your business. Our Group Health Insurance Policy is designed to offer comprehensive and affordable health insurance coverage for businesses of any size. Whether you run a startup, a growing business, or a large enterprise, our group health insurance plans can be customised to suit the needs of your team.
Choose Universal Sompo's smart and affordable group health insurance to protect your employees and their families while enhancing your reputation as a caring employer.
Why you should buy
Healthcare Insurance from us
Tailor-made Plans
Affordable Premium
Flexible Sum Insured
15,500+ Cashless Hospitals
Benefits of
Group Health Insurance for
Employers and Employees
A well-designed group medical insurance policy offers financial security during medical emergencies and boosts employee morale, loyalty, and productivity.
For Employers
01.
02.
Tax Benefits for the Organization
Premiums issued on group health insurance plans constitute a business expenditure under the Income Tax Act's provisions, allowing enterprises to take tax deductions.
03.
Economical Healthcare Coverage
Group health coverage is less expensive than individual policies. It includes affordable premiums with extensive coverage, meaning employers and employees receive added value and safeguarding.
04.
Greater Productivity and Morale
Workers who are confident in their health and their families' well-being are more driven and productive on the job. These higher morale levels translate into better performance and a positive working environment.
05.
Flexible and Customisable Plans
Workers who are confident in their health and their families' well-being are more driven and productive on the job. These higher morale levels translate into better performance and a positive working environment.
06.
Immediate Coverage Without Waiting Periods
Compared to individual plans, group medical insurance plans usually do not have a waiting time for most benefits. Workers also gain direct access to health facilities, which is extremely helpful in emergencies.
07.
Attractive Employee Benefits Package
Including group health insurance benefits in your offer package makes your offers more competitive. It helps your company appear more responsible and caring.
08.
Easy to Manage with a Hassle-Free Claims Process
Under Universal Sompo, employers have the luxury of easy policy management, payment of bulk premiums, and seamless settlement of health insurance claims, saving time and effort.
For Employees
01.
Cashless Hospitalization at Network Hospitals
Employees can enjoy cashless facilities at Universal Sompo's 4,000+ network hospitals. This allows hassle-free medical care in emergencies or as per scheduled procedures.
02.
Family Group Health Insurance Coverage
Most group medical insurance schemes shield the workers and their relatives, including wives, children, and dependent parents, giving holistic protection to the family in one inexpensive cover.
03.
Comprehensive Coverage for Medical Expenses
From surgery and hospitalisation to pre-existing disease cover (per policy conditions), maternity cover, daycare procedures, and diagnostics, Universal Sompo's Group Health Insurance Plans provide complete financial security.
04.
No Medical Screening Required
Generally, people can become covered without taking medical tests or physicals, making group health insurance available and speedy.
05.
Coverage for Maternity and Newborn Care
Most group health plans offered by family groups include normal and C-section maternity benefits and baby coverage for new babies from the first day. This is a significant advantage to young families.
06.
Minimal or No Waiting Periods
Group medical insurance policies normally have few or no waiting periods for widespread diseases and conditions arising before an employee joins the company (dependent on group size and policy terms).
07.
Pre-Existing Condition Coverage
Universal Sompo's Group Health Insurance Policy covers pre-existing conditions, subject to plan terms and group size, removing barriers for employees with existing medical conditions.
08.
Daycare and OPD Coverage
Group health insurance plans cover outpatient procedures, consultations, diagnostics, and daycare services as part of the insurance plans, reducing employees' out-of-pocket expenses.
09.
Security from Financial Risks in Medical Emergencies
A group medical insurance plan protects employees and their dependents against rising healthcare costs, protects their savings, and reduces economic anxiety.
10.
Portability While Exiting the Company
If an employee retires or quits the company, Universal Sompo offers portability options to convert their group health insurance policy to an individual plan and continue enjoying health coverage without losing the benefits they have earned.
Who Can Buy
Group Health Insurance?
Group health insurance policy for a family in India is not limited to big business houses. It is a suitable option for all types of organizations, including:
Corporates & Businesses (Small, Medium, and Large Firms) - Startups & Tech Firms
- Schools & Colleges
- NGOs and Charitable Trusts
- Partnership Firms & Professional Associations
- Trade Associations & Guilds
Any legally incorporated organisation Minimum group size of 7 members can buy group health insurance and offer essential health benefits to workers and their dependents.
Key Features of
Group Health Insurance
When you choose Universal Sompo's Group Health Insurance, you experience benefits that bring you freedom and comfort.
Hospitalization Coverage
Reimburses room rent, doctor's fee, ICU fee, operation theatre fee, etc.
Pre & Post-Hospitalization
Reimburses the costs of medical expenditure incurred before and after hospitalization.
Day Care Procedures
Insurance for procedures which do not require 24-hour hospitalization
AYUSH Treatment
Insurance for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment.
Maternity Benefits
Option to add maternity coverage with or without a waiting period.
Family Coverage
Insure your employees' families under a family group health insurance policy.
Pre-existing Diseases
Covered from day one, subject to policy terms.
No Medical Screening
All policies have no pre-policy medical tests.
Cashless Claims
Convenient treatment at our extensive hospital network.
Customizable Sum Insured
Choose from various coverage plans that best meet your needs.
Add-on Riders
Your policy should include OPD cover, dental, vision, critical illness, and other riders.
What are the
Eligibility Criteria to Buy Group Health Insurance?
It is easy to buy a group health insurance policy from Universal Sompo, subject to a few eligibility conditions:
Organization Type
Registered firms, companies, partnerships, societies, NGOs, and institutions.
Employment Status
Can cover full-time, part-time, or payroll employees
Family Members:
Ability to include workers' spouses, dependent kids, and parents
Policy Ownership
This must be started by the employer or group administrator.
How To Buy Group Health Insurance?
Buying a group health insurance policy for a family in India with Universal Sompo is easy and efficient:
Visit Our Website:
Request a Quote
Share your requirements using the inquiry form or contact our support team.
Customize the Plan:
Select the sum insured, add-ons, dependent coverage, and other options
Submit Required Documents
Provide employee details, KYC, and GST information.
Activate the Policy
Finalize the plan and receive policy confirmation and e-health cards.
If you want to buy group health insurance that’s reliable, customizable, and trusted by businesses nationwide — look no further than Universal Sompo.
Claim Process for Health Insurance
We’ve made our claim process simple and hassle-free.
Cashless Claims
- Visit a network hospital and present your e-health card.
- The hospital seeks pre-authorization from our TPA (Third Party Administrator).
- Get treated without paying from your pocket — we settle the bill directly.
Reimbursement Claims
- Get treatment at any hospital you choose, pay the bills, and then claim reimbursement.
- Collect original bills, prescriptions, and discharge summaries.
- Submit documents through our website or via email.
- Get reimbursed directly to your bank account.
Universal Sompo’s Group Health Insurance ensures a quick, smooth, and transparent claim process for employers and employees.
Cover Highlights For You And Your Loved Ones
Cover Highlights
AYUSH
treatment
Day Care
Procedures
Domiciliary
HospitalizationPre-Hospitalization
Expenses
Post-Hospitalization Expenses
Know What Our Group
Health Insurance Policy Offers You
Domiciliary Hospitalization / Treatment
The company shall indemnify the Medical Expenses incurred on the Domiciliary Hospitalization / Treatment of an Insured Person during the Coverage Period which would otherwise have been covered under Section 2.C.[a] provided that if a claim has been accepted under this section, a consolidated claim post full recovery, shall be considered and no separate post-hospitalization medical expenses shall be payable. Show MoreShow Less
Pre-Hospitalization
The company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period as opted for by the insured and as mentioned in policy schedule prior to the date of admissible hospitalization covered under the policy. Show MoreShow Less
Post-Hospitalization
The company shall indemnify post-hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period from the date of discharge from the hospital as opted for by the insured and as mentioned in policy schedule, following an admissible hospitalization covered under the policy. Show MoreShow Less
Cosmetic or plastic Surgery
Hazardous or Adventure sports
Breach of law
Rehabilitation and Respite Care
Dietary supplements and substances
Sterility and Infertility
Want to know More?
Get all your policy related details on your fingertips.
Policy Wording Get Claim in 3 Easy Steps
1Initiation
Set the ball rolling by requesting for cashless approval through a network hospital. Post which we evaluate and approve/reject the request.
2 Hospitalisation
After approval, go ahead with the hospitalization.
3Claim Settlement
The claim gets settled directly with the hospital upon discharge.
1Initiation
Settle the bill with the hospital and share the original documents and invoices with us.
2Verification
We authenticate the documents.
3Claim Settlement
The approved amount gets deposited in your bank account.