Question 1

What is group health insurance?

Accepted Answer

Group health insurance is a single policy that covers all employees of a company under one plan. The employer pays the premium and employees get cashless hospitalisation, OPD cover, and maternity benefits without individual medical underwriting.

Question 2

How does an insurance broker operate?

Accepted Answer

An insurance broker like SecureNow works on your behalf - not the insurer's. We compare plans from 30+ insurers, negotiate premiums, and manage renewals, endorsements, and claims support throughout the policy year.

Question 3

How can I compare insurance quotes?

Accepted Answer

You can compare quotes based on sum insured, premium, network hospitals, claim settlement ratio, and add-ons like OPD or maternity cover. SecureNow provides a side-by-side comparison from 30+ insurers within 24 hours.

Question 4

Can I buy corporate insurance online?

Accepted Answer

Yes. You can get a quote, compare plans, and issue the policy entirely online through SecureNow. Our team is available to assist at every step - from customising the plan to issuing e-health cards for all employees.

Question 5

Can group insurance be customized?

Accepted Answer

Yes. Group health insurance plans can be customised with add-ons such as OPD cover, maternity benefit, dental and vision cover, top-up plans, and voluntary family floater options for employees.

Question 6

What is the minimum number of employees required?

Accepted Answer

Most insurers require a minimum of 7 employees. Some insurers allow groups as small as 2-5 members for micro and small businesses.

Question 7

Are pre-existing diseases covered?

Accepted Answer

Yes. Pre-existing diseases are covered from day one under group health insurance - unlike individual policies that impose a 2-4 year waiting period.

Question 8

What tax benefits does the employer get?

Accepted Answer

Premiums paid by the employer are fully tax-deductible as a business expense under Section 37(1) of the Income Tax Act. Employees also benefit under Section 80D for their share of the premium.

Question 9

How much does group health insurance cost per employee?

Accepted Answer

Group health insurance typically costs Rs. 3,500 to Rs. 8,000 per employee per year for a Rs. 3 lakh sum insured plan - depending on company size, employee age profile, city of operation, and add-ons included. A 20-person company in Delhi NCR with a Rs. 3L plan pays roughly Rs. 70,000 to Rs. 1.4 lakh annually. Larger groups get better rates due to risk pooling. SecureNow provides exact quotes from 30+ insurers within 24 hours.

Question 10

Is group health insurance better than individual insurance for employees?

Accepted Answer

Yes, for most employees group health insurance offers better value than individual policies. Key advantages: pre-existing diseases are covered from day one (vs. 2-4 year waiting period in individual plans), the employer pays the premium (zero cost to the employee), no medical underwriting so all employees are covered regardless of health status, and family floater options extend coverage to spouses and children at subsidized group rates. The main limitation is that coverage ends when employment ends.

Question 11

What happens to health insurance when I leave a company?

Accepted Answer

Group health insurance coverage ends on the last working day or the date of separation from the company. IRDAI regulations allow employees to port their group coverage to an individual policy without losing continuity benefits - including pre-existing disease coverage - within 30 days of leaving. If your new employer offers GMC, any waiting periods already served under the previous group policy are typically carried forward. SecureNow advises employees on porting options as part of the offboarding process.

Employees	₹3 Lakh SI	₹5 Lakh SI	₹10 Lakh SI
10 – 25 employees	₹2,000 – ₹2,800	₹2,800 – ₹3,800	₹4,500 – ₹5,500
26 – 50 employees	₹1,800 – ₹2,500	₹2,500 – ₹3,500	₹4,000 – ₹5,000
51 – 100 employees	₹1,600 – ₹2,200	₹2,200 – ₹3,000	₹3,500 – ₹4,500
100+ employees	₹1,400 – ₹2,000	₹2,000 – ₹2,800	₹3,000 – ₹4,000

Group Health Insurance for Your Employees

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Corporate Group Health Insurance for Your Team - Buy Online in India

Your employees are the heart of your organization. Ensuring their health and well-being is not just a benefit - it’s a statement of your commitment.

What is Group Health Insurance?

Group Health Insurance is a health cover designed for employees working within the same organization. Offered as an employee benefit, the premium is usually borne by the employer, and in many cases, coverage can also be extended to family members.

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Our Product Features

Our group health insurance policies provide these essential coverage elements for comprehensive employee protection.

Comprehensive Coverage

Wellness Programs

OPD Coverage

Cashless Treatment

Pre & Post Hospitalization

Family Coverage

No Claim Bonus

Domiciliary Treatment

Customizable Plans

How It Works

Get your employees covered in 3 simple steps.

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Indicative Premium Rates

Approximate premium per employee per year (excl. GST). Actual premium varies by average age, add-ons, and insurer.

Why Choose SecureNow

We're the trusted insurance broker for over 3000 companies across India. Learn about our premium services and advanced technology platform.

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We collaborate with India's leading insurance providers to offer you the best coverage options for your business in Delhi NCR.