Group Health Insurance
Comprehensive health cover for your employees and their families, cashless hospitalisation, no medical tests, and PED cover from Day 1.
- Cashless hospitalisation
- Family coverage
- No medical tests
- PED cover from Day 1
- Maternity & Newborn
- Free Consultation
- No Obligation
- IRDAI Authorised Advisor
- Instant Quote
Network Hospitals
18,400+
Corporate Advisor
Bajaj General · Hyderabad
Coverage Highlights
What's covered under Group Health Insurance
Hospitalisation & Day Care
Covers in-patient hospitalisation with room type choices, ICU charges at actuals, plus all day-care procedures and surgeries.
Family Coverage
Extends cover to the employee's spouse, children and, optionally, parents or parents-in-law under a single group policy.
Cashless Network
Cashless treatment across 18,400+ network hospitals, the employee pays nothing at admission or discharge.
Preventive Health Check-ups
Optional annual preventive health check-ups to encourage early diagnosis and proactive wellness for your workforce.
No Medical Underwriting
Simplified enrolment, no medical tests required for employees to be covered under the group policy.
Portability on Exit
Employees can port the group mediclaim to an individual health plan on exit, preserving continuity benefits.
Inclusions
What's covered
- In-patient hospitalisation (24+ hrs) & ICU
- Pre and post hospitalisation expenses
- All day-care procedures & surgeries
- Room rent as per plan (with room-type options)
- Ambulance charges
- Maternity benefit & newborn cover (optional)
- Pre-existing diseases from Day 1 (waivable)
- AYUSH in-patient treatment
- Option to enhance sum insured via top-up
- Wellness programmes & tele-consultation
Exclusions
What's not covered
- Investigation & evaluation unrelated to current diagnosis
- Cosmetic surgery (unless due to accident, burns or medical necessity)
- Dietary supplements & non-prescribed substances
- Self-inflicted injuries, suicide attempts, illegal acts
- Deductibles & co-pays (if opted at policy level)
- War, nuclear risks and adventure sports (per policy wording)
Please refer to the policy wording for the binding list of exclusions.
Additional Coverages
What else can you add?
Critical Illness Cover
Lump sum benefit on diagnosis of specified critical illnesses such as cancer, heart attack and stroke.
Top-Up Cover
Additional coverage over and above the base group sum insured, useful for high-value hospitalisation.
Corporate Buffer
An extra corporate pool to fund employee medical expenses that exceed individual insurance limits.
Maternity & Newborn
Add cover for pregnancy, delivery expenses and newborn baby cover from Day 1.
OPD Cover
Cover doctor consultations, diagnostics and pharmacy on an out-patient basis, subject to policy limits.
Group Personal Accident
Bundle Group Personal Accident to protect employees against accidental death, disability and injuries.
Who should buy
Built for every kind of organisation
Corporates & Large Enterprises
Deliver a competitive benefits package across geographies and grades.
Startups & SMEs
Small group plans from 7–20 members onwards, attract and retain talent at a predictable cost.
Educational Institutions
Protect teachers, non-teaching staff and administrators under a single policy.
NGOs, Trusts & Co-operatives
Extend affordable healthcare to staff, volunteers and members with customisable coverage.
Benefits for Employers
Why offer Group Health Insurance
| Benefit | What it delivers |
|---|---|
| Employee retention & morale | Signals genuine care and reduces attrition. |
| Tax benefit (Sec 37(1)) | Premium treated as a business expense. |
| Wider coverage vs individual plans | Family cover, PED Day-1, waived waiting periods. |
| Statutory compliance | Supports HR compliance in regulated sectors. |
| Reduced absenteeism | Timely treatment & preventive care. |
| Brand & employer image | A caring, responsible workplace narrative. |
FAQ
Frequently asked questions
Deep dive
Everything you need to know about Group Health Insurance
What is Group Health Insurance?
Group Health Insurance is a policy that provides health cover to a defined group of people, most commonly employees of a company, under a single umbrella. It bundles hospitalisation, day-care treatments, maternity, preventive check-ups and more, and because the risk is pooled across the group the premium per member is significantly lower than an equivalent individual plan.
Why employers offer it
Offering group cover is one of the most tangible ways an employer can demonstrate care. It reduces absenteeism, softens the financial shock of hospitalisation for employees, and, for growing SMEs, is often the single biggest lever in a benefits package that helps attract senior talent.
Tax treatment
Premiums paid by the employer are treated as a business expense and are deductible under Section 37(1) of the Income Tax Act, 1961. Where employees contribute to the premium (for parents or top-ups) they can typically claim Section 80D benefits on their share.
Group vs. individual health insurance
- No individual medical tests, every eligible employee is covered on Day 1.
- Pre-existing diseases can be covered from Day 1 (waivable at underwriting).
- Family definition is flexible, spouse, children, parents, in-laws.
- Maternity and newborn cover can be added without a long waiting period.
- Premium is negotiated at the corporate level, so unit economics are better.
What drives the premium?
Group size, average age of the covered pool, family definition, chosen sum insured, city of hospitalisation, and add-ons like maternity or corporate buffer are the main levers. A well-designed policy trades a modest premium increase for materially better claim experience, that's what BAGIC helps you structure.
How BAGIC Hyderabad services corporate clients
We handle the full lifecycle, plan design based on your census, quote comparisons, enrolment and endorsements (joiners/leavers/dependants), a WhatsApp claim desk on 7507245858, and renewals with utilisation reports and re-pricing support. You get a single accountable point of contact instead of a call-centre queue.
Portability on exit
When an employee leaves the organisation, the group cover can be ported to an individual Bajaj General Insurance health plan, waiting periods already served under the group policy are carried over, so the employee keeps continuity benefits without starting over.
The BAGIC promise
IRDAI-authorised advisor, IRDAI-regulated insurer, transparent policy wording, and a local Hyderabad team that shows up when claims get complex. Talk to us before your renewal and we'll benchmark your current plan for free.
Get a corporate quote
Tell us about your team, we'll do the rest
Share your details and we'll structure a group health plan with indicative premiums within one working day. No obligation.
BAGIC Insurance is an authorised advisor of Bajaj General Insurance. Insurance is the subject matter of solicitation. Product details, sum insured, exclusions, waiting periods and add-ons are governed by the current policy wording. Tax benefits are subject to change under the Income Tax Act, 1961.