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Employee Benefits with HealthySure

Corporate Health Insurance
for your employees

Discover the comprehensive advantages of corporate insurance and make an empowered decision for your team’s well-being.

Get the best quotes now!

What is Corporate Health Insurance?

Corporate Health Insurance, also known as group health insurance, is a specialized policy designed to offer comprehensive health benefits to a specific collective, such as employees of a company or members of an organization. By leveraging the power of a larger group, corporate insurance allows employers or groups to provide affordable healthcare coverage, as the risk is spread across a broader pool of individuals, resulting in reduced premium costs.

This type of insurance extends its advantages to various groups, including company employees, community members, or participants in a non-profit organization.

Imagine a small business owner managing a team of 20 employees. In order to ensure the well-being of their staff, they might consider opting for corporate insurance coverage. By providing this comprehensive insurance, employees can enjoy affordable access to a wide range of medical benefits, including hospitalization, doctor consultations, and prescription medications. Not only does this benefit the employees, but it also serves as a valuable perk for the employer, aiding in talent acquisition and retention while boosting the overall health, satisfaction, and productivity of the team.

Why buy Corporate Health Insurance?

Corporate insurance offers numerous advantages for both employees and employers. It provides equal access to high-quality healthcare and serves as a protective shield against increasing medical costs. This type of insurance also acts as a financial safety net for group members in the event of hospitalization.

For Employers:

  • Attract and Retain Top Talent:
    By offering corporate insurance as an employee benefit, your company showcases a strong commitment to employee well-being, making it more attractive to top talent and improving employee retention rates.
  • Value for Money and Tax Benefits:
    Corporate insurance policies often come with lower premiums and tax incentives, making them a cost-effective investment for businesses.
  • Boost Focus and Job Satisfaction:
    A comprehensive benefits package, including corporate insurance, can enhance employee job satisfaction, morale, and productivity, leading to a more focused and satisfied workforce.

For Employees:

  • Boosts morale and helps with retention
    With less worries about medical bills, good employee benefits like a comprehensive health cover increase employee morale.
  • Smooth and Convenient Claims Process
    Corporate insurance plans typically include wellness programs that cover routine medical exams, health education, consultations with doctors, and special savings on medications, gym memberships, and other advantageous perks.
  • Family Coverage at No Additional Cost:
    Many corporate health plans allow employees to include their family members at no extra cost, fostering goodwill and increasing employee satisfaction.
  • Preventive Healthcare:
    Corporate insurance plans often encompass wellness programs that cover routine health checkups, consultations with doctors, and other preventive measures. Additionally, they may offer special savings on medications, gym memberships, and other additional benefits.
  • No medical checkups required
    In case of corporate health insurance, a medical checkup is not required. Your policy is valid without any health checkups.
  • Seamless claim process
    Corporate health insurance offer a seamless claims process for the employee. Compared to individual insurance, corporate insurance also usually has a higher claim settlement ratio.

Corporate insurance acts as a safeguard for employees and their families during unforeseen medical emergencies, showcasing the company’s dedication to employee well-being. This contributes to a positive work environment, enhances employee satisfaction, and boosts overall productivity.

Choosing a comprehensive corporate insurance plan is a valuable investment for both employers and employees. It not only enhances the company’s reputation but also significantly improves the well-being of employees. By prioritizing health and well-being, employers cultivate a compassionate and supportive workplace culture that attracts and retains high-performing employees. Moreover, businesses can take advantage of corporate tax benefits in the process.

Who can buy a corporate health insurance?

Corporate insurance offers a flexible solution tailored to the unique needs of companies of all sizes. Unlike a one-size-fits-all approach, we at Healthysure understand the importance of customizing policies to meet the specific requirements of each team. Even teams as small as two members can access comprehensive coverage through Healthysure’s corporate insurance plans.

  • Early Stage Startups:
    Corporate insurance, also known as Group Health Insurance (GHI), is an excellent choice for early-stage startups, including teams with only two members. By offering GHI to employees, startups can attract top talent from the beginning and demonstrate a strong commitment to their well-being. This sets a solid foundation for future growth and success.

  • Medium and Small-Sized Enterprises 
    Managing insurance administration can be overwhelming for rapidly growing Medium and Small Enterprises. With corporate insurance, businesses can streamline this process, allowing them to focus on crucial projects while still prioritizing the health and well-being of their employees.

  • Large Organizations:
    Large organizations need to assess their existing insurance policies and compare them to industry standards to ensure they offer improved benefits at an affordable cost. Seeking expert assistance can help decision-makers analyze their current policies and navigate a personalized insurance renewal journey.

What is covered in Corporate Health Insurance ?

  • Accidental Hospitalization
    In the event of an accident, the insurance covers all pre and post hospitalization expenses, including ambulance charges, room rent, diagnosis, and day care procedures.

  • COVID-19 Hospitalization
    COVID-19 Hospitalization costs are covered by the corporate health insurance for employees and their family members who test positive.

  • Illness Related Hospitalisation
    Hospitalization expenses related to illnesses are covered, ensuring that employees and their dependents receive the necessary treatment.

  • Daily Hospital Cash
    The insurance provides a daily hospital cash cover to help with additional expenses incurred during a hospital stay.

  • Psychiatric Support
    Mental health is given equal importance, and the plan includes coverage for psychiatric support

  • Critical Illness Coverage
    Critical illness coverage is included in the plan to provide financial assistance in case of diagnosis.

  • Maternity benefits
    Maternity benefits cover childbirth expenses for employees or their spouses, as well as infertility treatments or medically necessary terminations.

  • AYUSH Treatments, Organ donations and other benefits
    Additional benefits include coverage for alternate treatments (AYUSH), organ donation expenses, infertility treatments, and bariatric surgeries.

Key Benefits of Corporate Health Insurance from Healthysure

Why buy Corporate Insurance from Healthysure ?

Providing employees with affordable and high quality healthcare benefits they deserve.

Paperless process

100% digital process with no need of medical checkups.

COVID-19 coverage

Our group insurance plans provide you with coverage against COVID-19

5 Star claims experience

Be it a cashless claim or a reimbursement, our claims team ensures a hasslefree claims process.

10,000+ cashless hospitals

Your team can claim cashless settlements from over 10,000+ hospitals all over India.

For all company sizes

Whether you are a 5 member startup or a 500 member corporate, you can purchase a corporate insurance with us.

Optional addons

Offer your employees more than insurance with Healthysure. Gym memberships, health checkups, teleconsultations, etc.

Best quotes from the best insurers

Our partnership with the top insurers allows us to get exlcusive quotes for your company.

Dedicated personalised support​

Chatbots and automated replies are fine, but with Healthysure you also get a dedicated relationship manager.

How to file a Corporate Health Insurance Claim with Healthysure

  1. Login to your Healthysure portal
  2. Call your claims manager directly
  3. You can download your e-card from the Healthysure portal.
  4. In case of going in an hospital that is not a part of the cashless network, an employee will have to file an reimbursement claim. t

Corporate Insurance : Frequently Asked Questions

  • Corporate Health Insurance: The company is the direct point of contact for a corporate health insurance plan. The policy is valid as long as the employee remains with the organization, and the employer holds the authority to cancel the policy. The coverage depends on the strength of the organization.
  • Individual Health Insurance: An individual is the point of contact for an individual health insurance plan. The policyholder can cancel the policy, and its validity is determined by the payment of premiums. The coverage depends on the individual’s age, health condition, etc.

Yes, with Healthysure, corporate health insurance policies provide coverage for coronavirus. 

All employees who are more than 18 years old and below 70 years and are employed with a company are eligible to get coverage under a corporate health insurance policy. Additionally, dependent children between 3 months and 25 years, spouse, and sometimes parents can also be added to the policy.

The premium of a corporate health insurance policy is decided based on factors such as the number of employees in the organization, their age, number of dependents, and location. You can contact our team and get the best pricing for your corporate insurance.

Corporate health insurance policies may have waiting periods for specific reasons and diseases. With options to customise your group insurance’s benefits, one advantage is that these waiting periods can often be waived off. 

Room rent capping refers to the conditions set by insurance companies regarding the eligibility of room types and the expenses covered. All costs beyond the eligible room rent are payable by the policyholder.

The healthcare cost varies based on the type of room selected. For example, fees for doctor consultation in a single AC room are higher compared to a shared room. The actual costs for room rent and specific medical procedures can vary based on the room type.

If a policyholder selects a room with a higher rent than mentioned in the policy document, the claim payable may be limited to the charges applicable to the entitled category. This means that the policyholder may have to pay out-of-pocket expenses for the difference in room rent.

Yes, room rent can often be customized under the corporate health insurance policy. Options such as a proportion of the sum assured, single AC room regardless of costs, or no room rent capping at all may be available.

Yes, room rent can often be customized under the corporate health insurance policy. Options such as a proportion of the sum assured, single AC room regardless of costs, or no room rent capping at all may be available.

Corporate health insurance policies often provide coverage for pre-existing diseases right from the start of the policy. This is a significant benefit compared to standard individual policies.

The decision to opt for a pre-existing disease waiver depends on various factors such as the demographics of the covered group and the desired benefits. It is important to consider the needs of the employees and the associated costs when making this decision.

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Employee benedits with healthysure