Group Health Insurance

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Group Health Insurance - Premium Medical Coverage That Keeps Your Team Thriving

Say goodbye to complex processes and hello to smarter healthcare. Edify’s group health insurance plans make employee coverage effortless, from frictionless claims to tailored policies. Build a healthier, happier, and more loyal team today.

What is a Group Health Insurance Policy?

A group health insurance policy, also called GMC policy insurance, provides health coverage to employees working under the same organization. Unlike individual plans, these policies are designed to cover groups, offering streamlined healthcare solutions for businesses.

Edify’s group medical coverage (GMC) ensures your employees receive comprehensive healthcare benefits while helping businesses manage costs effectively.

Why Choose Edify’s GMC Policy Insurance?

Strategic Planning: We create cost-effective, multi-year strategies tailored to your risk profile and employee demographics, ensuring long-term stability.

Customized Benefits: Our bespoke plans, including group medical coverage and parental insurance, balance employee needs with your budget.

Seamless Access: User-friendly tools, mobile apps, and communication strategies ensure employees easily access and understand their benefits.

Dedicated Support: 24x7 assistance for claims, enrollments, and wellness programs guarantees a hassle-free experience for your team.

Global Expertise: With experience across Asia, the USA, and Europe, we deliver corporate health coverage tailored to global and local needs.

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    Why Do Companies Need Group Medical Coverage?

    Group medical coverage strengthens employee satisfaction and retention. It acts as a critical tool for attracting top talent while showcasing the company’s commitment to employee welfare.

    For businesses, this type of corporate health coverage minimizes financial risks related to employee medical emergencies, ensuring uninterrupted productivity and peace of mind.

    How Does a GMC Policy Work?

    A GMC in insurance provides a master policy that covers employees under a single plan. The employer is responsible for choosing coverage limits, benefits, and optional add-ons like parental insurance.

    Employees can access cashless claims at network hospitals or reimbursement for eligible treatments. The policy operates annually, with costs determined by the selected coverage and employee demographics.

    Features of Edify’s Group Health Insurance Plan

    • Comprehensive Coverage: Includes hospitalization, daycare procedures, and optional OPD benefits.
    • Zero Waiting Periods: Covers pre-existing conditions and maternity expenses from day one.
    • Customizable Add-ons: Flexible options for dental, diagnostics, and parental insurance.
    • Cashless Claims: 24x7 support for seamless claims processing.
    • Global Reach: Options for international medical insurance coverage.

    Group Health Insurance Benefits for Employers and Employees

    For Employers

    For Employees

    Boosts employee retention and engagement.

    Protects against financial burdens during medical emergencies.

    Positions the company as an attractive employer.

    Offers peace of mind with employee medical insurance for dependents.

    Provides tax benefits for the organization.

    Provides access to top hospitals through cashless claims.

    Reduces absenteeism by ensuring employee health and wellness.

    Covers additional needs like maternity and daycare procedures.

    What Are the Inclusions and Exclusions in a GMC Policy?

    A GMC policy insurance typically covers the following expenses:

    Inclusions:

    • Expenses for treatments requiring a hospital stay of more than 24 hours.
    • Treatments that do not need 24-hour hospitalization, such as cataract surgery.
    • Coverage for pre-existing diseases from day one.
    • Maternity benefits include expenses for delivery, pre-natal, and post-natal care.

    Optional add-ons include:

    • OPD (Outpatient Department): Coverage for outpatient consultations and minor treatments.
    • Pharmacy and Diagnostics: Covers prescribed medications and diagnostic tests.
    • Dental and Optical Care: Specialized treatments and corrective measures.

    Exclusions:

    While GMC policies offer extensive coverage, certain exclusions apply:

    • Treatments such as cosmetic surgeries are not covered.
    • Expenses related to In Vitro Fertilization (IVF) or infertility procedures are excluded.
    • Stays deemed unnecessary or solely for observation/investigation.
    • Injuries from activities like adventure sports or self-inflicted harm.

    Tips to Select the Right GMC in Insurance for Your Company

    • Analyze your employees’ health needs, including parental coverage.
    • Choose a policy with no waiting periods for pre-existing conditions.
    • Opt for customizable plans to balance benefits and costs.
    • Review the network of hospitals for cashless claims.
    • Work with a provider like Edify that offers expert guidance and 24x7 support.

    Why Should You Include Employee Medical Insurance for Parents?

    Parental insurance can significantly enhance the appeal of your corporate health coverage. Parents are more likely to need higher claims, and Edify helps you design plans that manage these costs sustainably. Offering this benefit demonstrates a strong commitment to your employees’ families and ensures long-term satisfaction.

    Customizing Your Corporate Health Coverage with Edify

    Edify specializes in creating tailored group medical coverage plans. Whether it’s adding parental insurance, setting room rent limits, or balancing OPD and diagnostic coverage, we help you design plans that fit your budget without compromising employee wellness.

    Frequently Asked Questions

    Yes, Edify offers tailored plans that include parental coverage while maintaining affordability.

    Yes, we cover pre-existing conditions from day one with no waiting period.

    Edify specializes in creating customizable plans that balance coverage with affordability, ensuring long-term sustainability.

    Our plans include hospitalization, daycare procedures, and optional OPD, dental, and diagnostic coverages.

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