Employee Benefit Insurance

Group Health Insurance is a health plan that a company buys to cover all its employees under one policy. It takes care of medical expenses like hospitalisation, doctor consultations, surgeries, and day care treatments, so employees do not have to worry about paying large hospital bills on their own.

When an employee falls ill or needs medical treatment, this plan covers the costs directly. Employees can also add their family members to the plan, giving their loved ones the same protection. With access to over 10,000 network hospitals, employees can get cashless treatment without paying anything upfront at the time of admission.

For employers, offering Group Health Insurance helps attract talented people, reduce absenteeism, and build a team that feels genuinely supported. It is one of the most valued benefits you can offer, and it also comes with tax benefits for your business under Section 37(1) of the Income Tax Act.

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Group Personal Accident Insurance is a policy that covers your employees in case of injuries, disabilities, or loss of life caused by sudden accidents. It is not about illness; it is specifically for accidents that happen anytime, anywhere, whether at work, at home, or while travelling.

If an employee gets seriously injured in an accident and cannot work for months, their family still needs to pay rent, school fees and daily expenses. This policy provides immediate financial support to the employee or their family in those difficult times. In case of accidental death, the family receives the full insured amount. For permanent disabilities, compensation is paid based on the type and severity of the injury.

This employer-employee insurance plan also covers weekly payments if an employee is temporarily unable to work, medical expenses after an accident, and even an education grant for the employee's children. Coverage is available 24 hours a day, 7 days a week, across the world, with no medical check-up required to enrol.

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The Workmen's Compensation Policy, now called Employee's Compensation Insurance, is a plan that covers your legal responsibility as an employer if a worker gets injured, falls ill, or loses their life while doing their job. Under the Employee's Compensation Act, 1923, it is legally mandatory for employers to compensate workers in such situations.

Without this employee insurance cover, a single workplace injury claim could mean large out-of-pocket expenses for your business. This policy takes care of those costs, including medical treatment, lost wages, and legal liabilities, so your business stays protected. It covers all types of businesses, from small shops and factories to large construction companies and offices.

You can choose between a named policy, which lists specific employees or an unnamed policy that covers everyone in your organisation. It also covers occupational diseases and contractual workers, which makes it a complete safety net for businesses that want to do right by their people while staying legally compliant.

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