Group medical and employee benefit schemes for organisations, alongside health, life and personal cover for individuals and families.
Group medical is often treated as a compliance line item. Structured well, it is one of the most visible things an employer does for its people.
Cover structured around your workforce — family floater options, maternity, OPD and top-up arrangements where they make sense.
Life cover at group rates, typically a fraction of individual pricing, with simplified underwriting and no medical tests in most cases.
Accidental death and disability cover extending beyond the workplace — often the most appreciated benefit in the package.
Requirements vary by state and headcount. Many employers provide it regardless, as a hiring and retention measure.
Most insurers write group policies from seven to ten members, though thresholds vary. Smaller organisations may find individual cover more practical.
Frequently yes, either employer-funded or on a voluntary contribution basis. Terms and loadings vary considerably between insurers.
Health covers hospitalisation costs from illness or accident. GPA pays a lump sum for accidental death or lasting disability and typically operates twenty-four hours.
Under group cover, usually not. This is one of the main advantages over individual policies.
It ceases on exit. Some insurers offer conversion to individual cover, which is worth establishing at placement.