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24Cr+
Customers Served
16,625
Network Hospitals
98% *
Claims Settled FY 23-24
What is Group Mediclaim?
"Group Mediclaim Policy" a comprehensive Health Insurance Product which provides new generation coverages and offers customization as per needs.
This product is designed to cover members of a group (Persons/ Corporate/ Organization/ Institution/ Firm/ Society/ other entity) engaged in any trade or business in India. With "Group Mediclaim Policy", the companies can protect their workforce and their families from unexpected medical costs, ensuring productivity and peace of mind. Non-employer-employee groups, like employee associations, holders of credit cards issued by a specific company, customers of a particular business where insurance is offered as an add on benefit, borrowers of a bank, professional associations or societies etc., can also be covered.
The product provides medical insurance benefits that include hospitalization expenses, surgical procedures, outpatient treatment along with number of optional benefits catering to the diverse needs of businesses.
Key Benefits of Group Mediclaim Insurance by SBIG
| Key Features | Description |
|---|---|
| Minimum age at entry | For Adult : For Employer and Employee Groups - 14 years For Non-Employer and Employee Group - 18 years For Children : From birth ( Day 1) |
| Maximum age at entry | 100 years |
| Policy Type | Individual Basis and Family Floater basis |
| Policy Period | *Annual basis – for tenure of 1 year *Long term basis – up to a maximum term of 5 years or up to the loan period, whichever is less, in case it is credit linked |
| Hospital Network | Wide network of empanelled hospitals across India |
(*Please ensure you read the policy terms and conditions in detail before buying your plan.)
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What’s Covered Under Group Mediclaim Insurance?
In Patient Treatment
Comprehensive coverage for medical expenses incurred during hospitalization, including room rent, nursing charges, ICU charges, and other related expenses
Pre-Hospitalization Medical Expenses
Covers medical expenses incurred up to a specified number of days prior to hospitalization. This includes diagnostic tests, consultations, and medications.
Post Hospitalization Medical Expenses
Provides coverage for medical expenses incurred up to a specified number of days after being discharged from the hospital. This includes follow-up consultations, diagnostic tests, and medications.
Day Care Treatment
Coverage for medical treatments and procedures that do not require an overnight hospital stay. This includes surgeries and other advanced treatments performed in a day care setting.
Disclaimer: The above list is indicative in nature. For complete details, terms and conditions please refer to the Policy Wordings of Group Mediclaim Policy. People are advised to go through the policy wordings carefully before buying the plan.
What's Not Covered Under Group Mediclaim Insurance?
Investigation & Evaluation- Excluded Providers
- Rest Cure, rehabilitation, and respite care
- Substance Abuse and Alcohol
- Change of Gender treatments
- Dietary Supplements & Substances
- Cosmetic or Plastic surgery
- Refractive Error
- illnesses due to nuclear radiation
- Unproven Treatments
- Breach of law
- Intentional self-injury
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to Policy Wordings.
How to File Your Group Mediclaim Insurance Claim?
Cashless Facility
Procedure
Pre- Authorization
Process
Cashless Treatment
Admission
Claim
Settlement
Hospital Discharge
Guidelines
Health Claim
Submission
Document
Submission
Claim
Settlement
Learn about group health insurance plans, their benefits, & how it can protect your employees. Secure your group's health with SBI General Insurance today!
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Frequently Asked Questions About Group Mediclaim Insurance
- Employees of a Firm/ Company/ Association (i.e. with employer-employee relationship).
- Members of an institution/ MFI/ NBFCs/ Affinity groups/ society/ association/ club ( i.e. non-employer-employee relationship).
- Members /account holders or loanees of a financial institutions like banks/ rural sector ( i.e. non-employer-employee relationship).
Product covers medical expenses related to hospitalization such as Room, Boarding & Nursing Expenses, Medical Practitioners fees, Expenses on Drugs and Medicines consumed during hospitalization period, Day care charges and Pre and Post Hospitalization Medical Expenses. Also the product offers multiple optional benefits catering to the diverse needs of businesses.
Following relationships can be covered:
Self, Legally married spouse/Live-in partner/or any other member whom corporate HR is ok to approve in place of Spouse , parents and parent-in-law. Any number of Dependent children (Son, Daughter, Son-in-law, Daughter-in-law, Father, mother, Father-in-law, mother-in-law, brother, Sister, Sister-in-law, Brother-in-law, Nephew, Niece, Grandparents and any relationship where there is insurable interest.
Self, Legally married spouse/Live-in partner/or any other member whom corporate HR is ok to approve in place of Spouse , parents and parent-in-law. Any number of Dependent children (Son, Daughter, Son-in-law, Daughter-in-law, Father, mother, Father-in-law, mother-in-law, brother, Sister, Sister-in-law, Brother-in-law, Nephew, Niece, Grandparents and any relationship where there is insurable interest.
There are 2 types of policies available for this product:
a) Individual Basis
b) Family Floater Basis
Product Name : Group Mediclaim Policy
Product UIN
SBIHLGP24031V012324
DISCLAIMER:
The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Number of network hospitals would differ based on the TPA servicing your policy.
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