Commercial Insurance
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We Make It Easy For You To Look After All Your People.
As we all know, getting treatment in a hospital can be heavy not just on your heart, but also on your wallet. With our Group Health and Group Total Protect insurance plans, we’ll help you look after it.
commercialPickYour
Pick Your Protection
How are you looking to help your group members?
Group Health Insurance
What’s covered?
Situations that our policy doesn’t cover - View
What's not covered?*
Sorry, but certain things are out of our hands, too!
- Any treatment taken from somebody who is not a licensed medical practitioner.
- Any condition or treatment specified in our list of Non-Medical Items (Appendix – I Policy Terms & Conditions).
- Any condition that is caused either directly or indirectly by a sexually transmitted disease.
- Treatments related to sleep disorders
- Preventive care such as vaccinations, including inoculation and immunisations (unless this is post-bite treatment), tonics and vitamins
*PLEASE REFER TO THE POLICY WORDINGS FOR COMPLETE INFORMATION
Group Total Protect
What’s covered?
Situations that our policy doesn’t cover - View
What's not covered?*
Sorry, but certain things are out of our hands, too!
- Medical or surgical treatment, unless necessary after an accident
- Treatment at facilities that are not hospitals
- Elective surgery or any surgery that is not recommended by a doctor
- Suicide or attempted suicide
*PLEASE REFER TO THE POLICY WORDINGS FOR COMPLETE INFORMATION
Group Domestic Travel
What’s covered?
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- Accidental Death Benefit
Situations that our policy doesn’t cover - View
What's not covered?*
Sorry, but certain things are out of our hands, too!
- Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
- Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
- Any claim arising from any intentional self-Injury, suicide or attempted suicide, intoxication by liquor or drugs.
- Travel to areas where, at the time of booking the Journey or thereafter but prior to the insured’s travel, the government authority has advised against all travel to that specific area.
- Any non – declared Pre-existing condition or any complication arising from it.
- Treatment other than Allopathy and AYUSH.
*PLEASE REFER TO THE POLICY WORDINGS FOR COMPLETE INFORMATION
Group Corona Policy
Situations that our policy doesn’t cover - View
What's not covered?*
Sorry, but certain things are out of our hands, too!
- Any expenses of Day Care treatment and OPD treatment
- Diagnosis/Treatment outside the geographical limits of India.
- Testing done at a Diagnostic center which is not authorized by the Government shall not be recognized under this Policy.
*PLEASE REFER TO THE POLICY WORDINGS FOR COMPLETE INFORMATION
*PLEASE REFER TO THE POLICY WORDINGS FOR COMPLETE INFORMATION
CommercialWhyUs
Why Us?
Single Point of Contact
Quick Decision-Making
Minimum Documentation Required
commercialClaimGame
We Won’t Play The Claim Game
We always live up to our promises – 100%. If you’re looking to make a claim, it’s really simple. Our claims process is just 2 steps:
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless.