Group Mediclaim (GMC)
The core employee health plan — hospitalisation cover for your team.
Home › Business Insurance › Group Health (GMC)
Employee benefit · Family floater · CashlessA group health (Group Mediclaim) policy covers your employees — and usually their families — for hospitalisation, under one plan you provide as an employer. It's one of the most valued staff benefits, and it can waive the waiting periods that individual plans impose. We design and service the plan at a competitive premium.
Group Mediclaim (GMC) is a single policy an employer takes to cover a group of employees — often with their families — for hospitalisation. Because it's a group, it can offer richer terms than individual plans, including day-one cover for pre-existing conditions and maternity.
Balancing cover, cost and claims experience is exactly what we manage for you year on year.
The core employee health plan — hospitalisation cover for your team.
Employee plus spouse, children and optionally parents, sharing a sum insured.
A high additional cover at low incremental cost above the base plan.
Lump-sum cover for accidental death or disability, on or off duty.
Life cover for employees as part of the benefits package.
Outpatient, health check-ups and teleconsultation add-ons.
Set a sensible base sum insured per family, and top it up where roles or seniority need more.
Employee only, employee + family, or including parents — each choice changes the premium and value.
Small controls like a co-pay or room-rent limit keep premiums sustainable as your group grows.
Strong hospitals near your offices matter most — we match the plan to where your people are.
We manage additions, deletions and endorsements through the year so cover always matches headcount.
A good GMC plan is designed, negotiated and serviced well — that ongoing work is exactly what a broker does.
An employer-provided health policy that covers your employees — and usually their families — for hospitalisation under one group plan. It's a highly valued staff benefit.
Group plans often waive the waiting periods that individual policies impose — including pre-existing conditions and maternity — subject to the terms agreed with the insurer.
Yes — parents can usually be added, sometimes with a co-pay. We structure the options and cost so you can offer it sustainably.
A cash-deposit account held with the insurer that funds mid-term additions and deletions as your headcount changes. We manage it and keep it topped up for you.
Their cover ends with employment — though they can sometimes port to an individual plan. We handle the deletions at renewal or mid-term so your premium stays accurate.
Tell us about your workforce and we'll design a group health plan that fits your people and budget.
Get your best quote