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Group Health Insurance Policy for Corporates and Organization
(1) Definition of a Group for issue of Group Health Policy   (2) Group Health Insurance Policy for Corporate
(3) Coverages available under Group Health Insurance Policy   (4) Specimen Calculation for Group Health Insurance
(5) Future of Group Health Insurance   (6) Policy Wording/ Proposal Form/ Brochure
(7) Concepts:
a- Named/ Unnamed Policy b- Group for Issue
(8) Product details of Various Companies for Group/ Corporate/ SMEs Insurance
Group Health Insurance Policy for Corporates (General Insurance)
2- Group Health Insurance Policy in India : Corporate
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 :
No. of persons Discount %
101 - 500 2.5
501 - 1,000 5
1,001 - 2,000 7.5
2,001 - 10,000 10
10,001 - 15,000 12.5
15,001 - 25,000 15
25,001 - 50,000 20
Above - 50,000 30
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.
Incurred Claims ratio under the group policy Discount %
during last year  
Not exceeding 60% 5
Not exceeding 50% 15
Not exceeding 40% 25
Not exceeding 30% 35
Not exceeding 25% 45
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.
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