Group Health Policy

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Group Health Policy – Affordable, Reliable Health Protection for Your Team

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    What is a Group Health Policy?

    A group health policy is a single insurance plan that provides medical protection for all employees within an organization. It’s a type of term health insurance that offers hospitalization, pre- and post-hospital expenses, and wellness benefits under one collective policy cover.

    At Edify, we help businesses design flexible group health insurance plans that balance employee wellness with company budgets, ensuring lasting workforce satisfaction.

    Key Benefits of a Group Health Insurance Plan

    • Immediate Coverage: No waiting period for new employees.

    • Comprehensive Policy Cover: Includes maternity, pre-existing conditions, and optional family cover.

    • Employee Retention: Acts as a valued perk in recruitment and retention strategies.

    • Custom Add-ons: Coverage for OPD, mental wellness, and teleconsultations.

      A well-structured group health policy enhances morale and productivity—making it a win-win for both employer and employees.

    Compare Top Group Health Policy Features and Exclusions

    When selecting the best group health policy, it’s vital to understand inclusions and exclusions.

    • Included: Hospitalization, room rent, day care procedures, and ambulance charges.
    • Excluded: Cosmetic surgery, experimental treatments, and pre-existing diseases (during the first year in some cases).

    Edify helps you compare top group health policy features and exclusions across insurers, ensuring transparent decision-making.

    Best Group Policy Options for Small Businesses Under 50 Employees

    Even smaller teams deserve quality health protection.
    Edify curates the best group policy options for small businesses under 50 employees, offering:

    • Affordable premiums with high coverage value
    • Simplified enrollment processes
    • Easy expansion as your workforce grows

    We partner with India’s leading insurers to help startups and SMEs provide meaningful health benefits from day one.

    Tax Benefits and Employer Contributions for Group Health Cover

    Employers can claim tax deductions on premiums paid toward employee medical insurance under Section 37(1) of the Income Tax Act.
    Meanwhile, employees benefit from cashless hospitalization and corporate discounts, making a group health policy an excellent financial advantage for both sides.

    Steps to Switch Group Health Insurer Without Coverage Gaps

    Switching insurers? Here’s how to maintain continuity:

    1. Initiate the switch before policy expiry.
    2. Ensure no-claim bonus and waiting periods are transferred.
    3. Choose an insurer offering comparable policy cover and network hospitals.
    4. Confirm continuous coverage for pre-existing illnesses.

    Edify manages seamless transitions between insurers to avoid gaps or benefit loss.

    Why Choose Edify for Group Health Coverage

    Edify combines advisory expertise, insurer relationships, and technology-backed support to deliver:

    • Custom-built group health insurance plans
    • Transparent claim support
    • Continuous policy performance tracking

    Choose Edify for the best group health policy that adapts to your organization’s growth and employees’ needs.

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    Validity of IRDAI certificate : 10 July, 2026

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