Employee Health Insurance — PAN India

Group Health Insurance for Your Employees

Comprehensive, affordable health cover for your team — designed for SMEs, factories, and growing businesses across India. Get the right coverage without overpaying.

Cashless treatment across 16,000+ hospitals PAN India
Sum insured from ₹3 lakh, scalable as your team grows
One advisor from quote to claim — no call centre, no IVR

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Serving SMEs, factories & businesses across India • Based in New Delhi • From 7 employees

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Bhupesh Arora

Founder, BuddyCare Insurance Services
12+ years • I personally handle every enquiry

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Built for businesses of every size

From your first 7 employees to a workforce of 1,000+, group health insurance is one of the simplest ways to protect your team and stand out as an employer.

🏪 SME Owners

Protect your team without straining your budget. Flexible plans that scale as you hire.

🏭 Factory & Manufacturing Units

Combine health cover with statutory compliance needs — cover your workforce comprehensively.

👤 HR Managers

One point of contact for enrolment, additions, deletions, and claims — no back-and-forth with a call centre.

📈 Growing Businesses & Startups

Start with as few as 7 employees. Add group health as a retention and hiring tool from day one.

What is Covered Under a Group Health Insurance Policy?

Our group health insurance provides coverage for the following:

In-patient department expenses

Comprehensive protection for costs incurred during a hospital stay — room charges, doctor's fees, diagnostic tests, procedures, and medication.

Day-care expenses

Not every treatment requires a full day's hospital stay. Procedures completed within a few hours are covered just as thoroughly as longer hospitalisations.

Pre and post-hospitalisation

Cover isn't limited to the hospital stay itself — related expenses incurred in the lead-up to admission and during recovery after discharge are also covered.

Maternity expenses

A valuable benefit for employees starting or growing their families — maternity cover includes pre and post-natal expenses, with the newborn covered from Day 1.

Ambulance charges

Emergency transport costs can add up quickly depending on distance and type of ambulance used. These charges are covered under the policy.

Pre-existing diseases

Employees with prior health conditions aren't left unprotected. The policy extends cover to pre-existing diseases, giving your workforce peace of mind.

Available Add-On Covers

✓ Maternity cover

✓ Critical illness top-up

✓ Parental cover

✓ OPD (Out-Patient Department) cover

✓ Personal Accident add-on

✓ Waiver of waiting period

✓ Waiver of first-year exclusions

✓ Ambulance cost reimbursement

Why Group Health Insurance

✓ Talent retention

A strong health benefit is a top factor employees weigh when choosing or staying with an employer.

✓ Tax benefits

Employers can generally avail tax benefits on premiums paid for group health policies.

✓ Statutory alignment

Many industries increasingly expect group health as a baseline benefit.

✓ Lower cost per employee

Group pricing is typically more efficient than individual policies.

Group Health Insurance — FAQs

What is the minimum number of employees required for group health insurance?

A minimum of 7 employees is required to set up a group health policy.

Are day-care treatments covered?

Yes. Many modern treatments don't require 24-hour hospitalisation. These day-care procedures are covered under the policy — you're not limited to only overnight-admission surgeries.

Can employees' family members be added to the policy?

Yes, spouse and children can typically be added, with parents available as an add-on or separate option depending on the plan.

How are claims settled — cashless or reimbursement?

Both options are available. Cashless treatment is available at network hospitals; reimbursement applies for non-network hospitals.

How is the premium calculated?

Premium depends primarily on three factors: the size of your group, the member profile (age, occupation, and income band of employees), and the benefits and add-ons you choose to include. A larger, younger group with fewer add-ons will typically see lower per-employee premiums.

Does group health insurance cover pre-existing conditions?

Yes. A group health insurance policy does provide an option to protect against pre-existing medical conditions for the insured employee and their dependents.

Is the policy valid PAN India?

Yes, the coverage is valid across India, and employees and their dependents can avail the facility of network hospitals nationwide.