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Group Health Insurance is same as Health Insurance for an individual or a family.

The difference is that this product is taken by a group, which is in existence at the time of submission of the proposal with specified names of members/being available. It can be a :

1. Body corporate - Government or Private.
2. Association.
3. Cooperative Society - may be milk producer society or housing society.
4. Educational Institution - School/College/University

The rates applicable are more or less same as applicable to individuals with discount being given at the following rates :

If the policy is coming up for renewal then depending on the claims history during last year, the following positive or negative factor is also applied.

As Mediclaim is a Non tariff Insurance Product therefore Insurance Companies are free to quote premium depending on the following :

1. Group size
2. Claims history
3. Other Business Premium being placed by the body corporate to the same insurance Company.

The Comprehensive note of New India Assurance Company on group Mediclaim in the following pages is a good reference.