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Group Health Insurance for employees

Care that covers your entire workforce & their family

30,000+

Trusted companies*

13,000+

Network hospitalsc

One of the market leaders#

icon Covers Non-Medical
Expenses^
icon Covers Pre-existing
Diseases from Day 1^
icon Offers 2-hour
hospitalisation^
icon Offers Maternity
Expenses^
icon 24x7 Support
icon Dedicated
Relationship Manager
icon Seamless Claims
icon Digital policy
management
 

What is Group Health Insurance?

Group health insurance, also known as corporate health insurance, is a health cover designed for a group of people, usually employees of a company. Many organisations offer group health insurance as part of their employee benefits to help manage medical expenses. It’s a simple and effective way to support a healthier, happier and more productive workplace.

A group health insurance plan covers a wide range of medical needs such as hospital stays, day care procedures, maternity expenses and surgeries. Many group health insurance policies also allow coverage for family members, including spouses, dependent children and dependent parents, offering added peace of mind to employees.

Who should buy
Group health insurance?

Start-ups

Start-ups benefit from quick and credible coverage options that are easy to set up, cost-effective, and supported by seamless digital experiences—making it simple to offer employee benefits without operational complexity.

Small and medium enterprises (SMEs)

SMEs benefit through flexible solutions that can be tailored as the business grows, while also enabling smoother HR operations with features like dashboards, easier policy management, and support for employee-level changes.

Large corporations

Large corporations benefit through structured and scalable solutions designed to handle large employee bases, supported by dedicated relationship management, system integrations, and consistent service standards aligned with organizational processes.

Why is group health insurance important
for employers and employees?

  • For employers
  • For employees

Cost-effective Coverage

Group health insurance usually costs less than individual health plans. Since risk is shared across employees, group health insurance premiums are lower, making it an affordable option for employers, especially SMEs.

Employee retention

Offering health insurance shows that you care about your employees’ well-being. This improves how they view your organisation and helps reduce employee turnover.

Improves employer’s reputation

Employees and job seekers view companies that offer health insurance as more trustworthy and desirable places to work.

Tax benefits

Premiums paid towards a group health insurance policy can be claimed as a business expense under Section 37(1) of the Income Tax Act, helping reduce overall tax liability.

Extensive coverage

Group health insurance offers wide coverage for employees and their families, reducing out-of-pocket medical expenses.

No waiting period

Most group health insurance policies start from day one, ensuring immediate coverage for certain conditions.

Family cover at no extra cost

With group health insurance, employees can cover their family members without purchasing separate policies.

Preventive care benefits

Many group health insurance plans include preventive care services that encourage regular health check-ups and long-term wellness.

Key features of our
group health insurance policy

Day 1 coverage benefits

No waiting. PED, maternity & newborn covered from day one.

Teleconsultations

Consult doctors anytime through teleconsultation and unlimited video calls from the comfort of your home.

Wellness programmes

Avail a wide range of wellness services like diet & nutrition plans, disease management programs, wellness reminders, and more.

Digital policy management

Find hospitals, download e-cards, book health checkups - all in one place.

Quick and easy claims

100% digital claims for cashless and reimbursement with real-time tracking.

Cashless OPD & diagnostics

Access to cashless pharmacy, OPD consultations, diagnostic tests, and mental wellness support.

Solutions built for
HR teams and employees

Manage your group health insurance effortlessly with dedicated tools for HR teams and employees,
each built for their unique needs.

 
Dashboard Preview
Mobile View
 
Complete control, zero complexity
Automate all administrative workflows and spend more time with your people.
 
What is cash deposit balance?

It is a prepaid amount that an employer keeps with the insurer to pay for group health insurance.Instead of paying every time a change is made (like adding employees or raising claims), the amount is deducted from this balance as and when needed, making policy management quicker and smoother.

sahayak-banner
sahayak-heading-banner

IL SAHAYAK - Simplifying Cashless Claims

From hospital entry to exit, we’re right by your side

IL Sahayaks are trained healthcare professionals who support you and your family during hospitalisation at ICICI Lombard’s network hospitals – helping with insurance processes and ensuring a smooth, hassle-free claims experience.

100,000+

Customers Assisted

60+ cities

Covered

3,000+

Hospital Network

140+ IL Sahayaks

On-Ground

Note: The above data is sourced from the ICICI Lombard Investor Update FY2026

How IL Sahayak Supports You?

Admission Support

  • Faster hospital check-ins
  • Help with pre-authorisation
  • Assistance with required documents

Hospital Coordination

  • Single point of contact for your claim
  • Coordination with hospital staff
  • Support for deposit refunds (where applicable)

Discharge Facilitation

  • Faster claim approvals
  • Smooth and timely discharge
  • Help with final paperwork

Post-Hospital Support

  • Assistance after discharge
  • Guidance for claim-related queries
  • Continued support when needed
 

What Customers say about IL Sahayak

During a time that was emotionally and mentally overwhelming for our family, your prompt assistance and clear guidance in handling the entire TPA process brought us immense relief. Because of your proactive approach, we were able to focus entirely on my daughter’s treatment and recovery without the added stress of procedural matters.

Manvi & Ojas Shukla Lucknow

Sanidhya was extremely supportive, responsive, and clear in communication throughout the process. He ensured timely coordination, explained the steps patiently, and helped resolve concerns efficiently, which made the entire cashless hospitalization process smooth and stress-free.

Nitin Kumar Greater Noida

I wanted to extend my heartfelt gratitude for the exceptional support and guidance you provided while processing my recent insurance claim of renal transplant. Your patience, clarity, and step-by-step assistance made a stressful situation much easier to handle.

Chaithra Venkatesh Bangera Mangaluru

During a time that was emotionally and mentally overwhelming for our family, your prompt assistance and clear guidance in handling the entire TPA process brought us immense relief. Because of your proactive approach, we were able to focus entirely on my daughter’s treatment and recovery without the added stress of procedural matters.

Manvi & Ojas Shukla Lucknow

Sanidhya was extremely supportive, responsive, and clear in communication throughout the process. He ensured timely coordination, explained the steps patiently, and helped resolve concerns efficiently, which made the entire cashless hospitalization process smooth and stress-free.

Nitin Kumar Greater Noida

I wanted to extend my heartfelt gratitude for the exceptional support and guidance you provided while processing my recent insurance claim of renal transplant. Your patience, clarity, and step-by-step assistance made a stressful situation much easier to handle.

Chaithra Venkatesh Bangera Mangaluru

During a time that was emotionally and mentally overwhelming for our family, your prompt assistance and clear guidance in handling the entire TPA process brought us immense relief. Because of your proactive approach, we were able to focus entirely on my daughter’s treatment and recovery without the added stress of procedural matters.

Manvi & Ojas Shukla Lucknow

What is covered
under a group health (floater) insurance policy?

A group health insurance policy covers a wide range of medical expenses, including:

Cost Optimization & Plan Control
Smarter group health management through data-driven plan efficiency.
Modification of Initial Waiting Period
Normally, new employees has to wait the course of the initial waiting period –before some benefits kick in. This add-on helps shorten the waiting period.
How this helps:
If an insured individual gets hospitalised during the initial waiting period , then this add on helps provide coverage.
Modification of First Year Exclusion
Standard policies may exclude certain illnesses (like hernia or cataracts) for a certain time period. This add on helps modify the specific disease waiting period.
How this helps:
If an employee needs treatment for a specific disease such as hernia within the waiting period of the policy . Without this add on, it's excluded. This add on provides coverage for these treatments.
Voluntary Co payment
The employee agrees to pay a small percentage of each claim (say 10–20%) themselves. In return, the company pays a lower annual premium.
How this helps:
On a ₹50,000 claim with 20% co-pay, the employee pays ₹10,000 and insurance covers ₹40,000 — saving the company meaningfully on annual premium.
Voluntary Deductible (Super Top‑Up)
The policy only kicks in after a set amount has been spent. Initial part is self covered, rest part covered by Insurer.
How this helps:
With a ₹50,000 deductible, the employee pays the first ₹50,000 of any hospitalisation. A ₹3 lakh surgery means insurance covers ₹2.5L (as per T&Cs) — at a much lower premium.
Corporate Floater
Once an employee’s individual cover is exhausted, they can access the corporate floater for additional medical expenses.
How this helps:
It offers a additional safety net when an individual exhausts their sum insured limit, excluding maternity and lumpsum benefits.
Reinstatement of Corporate Floater
If the corporate floater gets exhausted i.e fully used, this addon automatically refills it once in the policy year, based on the eligibility rules in the policy.
How this helps:
When corporate floater is exhausted, it gets topped up again so that employees can remain covered , subject to policy t&c.
PPN Advantage
You may avail discount in premium if you choose and add on. An additional copay applies only when you go to hospitals not listed in the PPN.
How this helps:
At a PPN hospital, cashless pre-authorisation that normally takes 2–4 hours is completed in under 30 minutes — less stress during a medical emergency.
Note

Please refer policy wording of specific covers for better understanding on the complete list of what’s covered and what’s not covered.

What is covered
under a group health (floater) insurance policy?

A group health insurance policy covers a wide range of medical expenses, including:

Cost Optimization & Plan Control
Smarter group health management through data-driven plan efficiency.
Modification of Initial Waiting Period
Normally, new employees has to wait the course of the initial waiting period –before some benefits kick in. This add-on helps shorten the waiting period.
How this helps:
If an insured individual gets hospitalised during the initial waiting period , then this add on helps provide coverage.
Modification of First Year Exclusion
Standard policies may exclude certain illnesses (like hernia or cataracts) for a certain time period. This add on helps modify the specific disease waiting period.
How this helps:
If an employee needs treatment for a specific disease such as hernia within the waiting period of the policy . Without this add on, it's excluded. This add on provides coverage for these treatments.
Voluntary Co payment
The employee agrees to pay a small percentage of each claim (say 10–20%) themselves. In return, the company pays a lower annual premium.
How this helps:
On a ₹50,000 claim with 20% co-pay, the employee pays ₹10,000 and insurance covers ₹40,000 — saving the company meaningfully on annual premium.
Voluntary Deductible (Super Top‑Up)
The policy only kicks in after a set amount has been spent. Initial part is self covered, rest part covered by Insurer.
How this helps:
With a ₹50,000 deductible, the employee pays the first ₹50,000 of any hospitalisation. A ₹3 lakh surgery means insurance covers ₹2.5L (as per T&Cs) — at a much lower premium.
Corporate Floater
Once an employee’s individual cover is exhausted, they can access the corporate floater for additional medical expenses.
How this helps:
It offers a additional safety net when an individual exhausts their sum insured limit, excluding maternity and lumpsum benefits.
Reinstatement of Corporate Floater
If the corporate floater gets exhausted i.e fully used, this addon automatically refills it once in the policy year, based on the eligibility rules in the policy.
How this helps:
When corporate floater is exhausted, it gets topped up again so that employees can remain covered , subject to policy t&c.
PPN Advantage
You may avail discount in premium if you choose and add on. An additional copay applies only when you go to hospitals not listed in the PPN.
How this helps:
At a PPN hospital, cashless pre-authorisation that normally takes 2–4 hours is completed in under 30 minutes — less stress during a medical emergency.
Emergency & Accident Care

Coverage for accidents, emergencies and unexpected injuries outside planned hospitalisation.
Ambulance Charges
Covers the cost of the ambulance ride to the hospital.
How this helps:
This add-on ensures that ambulance cost is covered.
Air Ambulance
Covers emergency air transport when the patient needs to be flown to a hospital.
How this helps:
If an individual has a healthcare emergency while on a trip , this add on can help transportation from the area of emergency to the nearest Hospital.
Hazardous/Adventure Sports Cover
Covers injuries sustained while engaging in an adventure sports activity.
How this helps:
This helps cover indivduals involved in high risk activities.
Animal/Snake Bite Cover
Covers hospital treatment if insured individual is bitten by an animal or snake, limited to treatment taken on an OPD basis.
How this helps:
An insured individual is bitten by a stray dog. This add on will help cover eligible costs.
Attendant Charges Cover
Usually during hospitalisation , an immediate family member is required by an individual’s side. This add on covers the stay charges for that attendant during the stay.
How this helps:
The insured individual is hospitalised , this cover will help cover the charge towards accommodation of one attendant staying with the Insured Person during the period of hospitalization.
Accident Care
Provides an additional sum insured for expenses under Base cover for claims arising out of accidents.
How this helps:
If the base cover gets exhausted the accident care add-on provides an extra , helping cover the gap.
Enhanced Hospitalisation

Broader coverage during hospital stays — fewer deductions, fewer surprises
Cover for Pre‑Existing Disease
Helps cover es the employee had before joining the policy — like diabetes, hypertension or thyroid, etc. — from day one without waiting periods.
How this helps:
A new joiner with diabetes, if needs hospitalisation for a diabetic complication within policy period. This add-on ensures the claim is covered.
Pre and Post Hospitalisation
Covers Pre and Post-Hospitalization Medical Expenses incurred in respect of the Insured Person within the specified number of days immediately before and after the Insured Person’s Admission to Hospital provided.
How this helps:
An employee needs knee surgery. Pre-op scans and consultations cost ₹12,000; post-surgery medicines cost ₹18,000. Both are covered with this add-on.
Disease‑Wise Sub‑Limit
By way of this add on, the company can introduce sub-limits on certain diseases and procedures based on the claim experience and the requirement of the Insured.
How this helps:
A company sets a ₹50,000 sub-limit on cataract surgery. Employees are still covered — just up to that amount — keeping overall premiums lower for the group.
Domiciliary Hospitalisation
Covers medical treatment given at home when hospital admission isn't possible — treated the same as a hospital claim.
How this helps:
If an insured individual can't be moved to hospitalThis add-on covers domicillary hospitalisation.
Cover for Allied Hospital Charges
You get reimbursement for various allied expenses such as ambulance fees, hospital service/admin charges, nonmedical items, and even transport of special medical equipment recommended by your doctor—up to the limit in your policy.
How this helps:
Provides relief from routine hospital extras that usually don’t get covered.
Limit on Room Rent & Other Charges
Sets a maximum limit for room rent, nursing, consultation, diagnostics, OT charges and similar costs. If the actual room rent is higher than the allowed limit, the entire claim (including all hospital bills) gets proportionately reduced.
How this helps:
May help in Keeping premiums lower, but choosing a room above the eligible limit means your full claim amount will be adjusted.
Proportionate Deduction Waiver
Without this, if an employee takes a room above the policy limit, the insurer cuts all claim components proportionally. This waiver removes that deduction.
How this helps:
If an insured individual takes a ₹5,000 room vs. the ₹3,000 as in cover . This waiver means just the room difference is deducted.
Investigation & Evaluation Expenses
We will cover the expenses incurred by the insured person for any medical investigations or medical and fitness evaluation.
How this helps:
An employee's doctor orders an MRI, blood panel and ECG costing ₹9,500 for a diagnosis. This add-on may help cover those costs.
Non-medical Expenses Cover
Covers consumables and items hospitals charge for that insurance policy coverage normally exclude — gloves, syringes, PPE, bandages, nebuliser masks.
How this helps:
An employee's hospital bill includes ₹8,200 in consumables. Without this, all of this may get deducted by the insurer. With it, the consumables bill is paid.
Two‑hour Hospitalisation
Medical expenses are covered even for short hospital stays of 2+ hours, except when the visit is only for diagnostics. It also expands coverage to certain treatments beyond regular inpatient and daycare lists.
How this helps:
You get protection for common shortstay treatments (e.g., dehydration, platelet or iron infusions), without needing a full 24hour admission(excluding AYUSH treatment).
Worldwide Medical Support

Medical coverage that follows your employees wherever work takes them.
Travel Expenses for Medical Treatment
If an employee needs specialised treatment available only in another city, this covers their travel costs to get there.
How this helps:
An employee in Nagpur needs a rare cardiac procedure only available in Mumbai. Flight costs ₹12,000 — this add-on reimburses the travel expense.
Treatment Outside India
Get coverage for overseas treatment, including travel and stay costs for you and your attendant when medically advised. 
How this helps:
Makes international treatment accessible through cashless (subject to network) or reimbursement.
Compassionate Visit
If an employee is hospitalised far from home, this covers the travel cost for one immediate family member to come be by their side.
How this helps:
An employee posted in Delhi is hospitalised for 10 days. Their spouse's emergency flight from Mumbai costs ₹1065,000. This add-on covers the travel cost.
Inclusive & Human Care

Benefits that reflect your company's values — supporting every employee as a whole person.
Change of Gender Treatment Expenses
Covers gender reassignment surgery and all related medical treatments for employees going through their gender transition.
How this helps:
An employee undergoing gender reassignment surgery incurs a ₹4.5 lakh hospital bill. This add-on covers the medical cost as per policy T&Cs, supporting them through the process.
Bereavement Cover
If an insured member dies during hospitalization, no deduction shall be made on the claim (as deductible, co-pay, deduction on account of sublimit, room rent deduction or other non-payable expenses as specified in Policy Schedule)
How this helps:
An insured is hospitalised and dies during hospitalization. As per policy if 20% co-pay applies. With this cover, there will be no deduction against any limits/deductible — reducing the financial burden at the worst time.
Loss of Pay
Provides a fixed amount for defined frequency, if an employee is unable to work due to illness or hospitalisation — helping in replacing lost income during the recovery period.
How this helps:
A field sales employee is hospitalised for 12 days and loses 12 days of variable pay. This add-on pays a fixed daily amount — say ₹1,500/day — replacing ₹18,000 of lost income.
Treatment for correction of eyesight due to refractive error
Covers surgeries like LASIK that permanently correct vision.
How this helps:
An employee undergoes LASIK surgery costing approx. ₹55,000 for both eyes. This add-on helps covers the procedure.
Age Related Macular Degeneration cover
Covers outpatient treatment for macular degeneration — a progressive eye condition where central vision deteriorates, commonly affecting elder members. .
How this helps:
A person requires regular eye injections for macular degeneration. This add-on helps covers ongoing treatment costs.
Major Illness Protection

Financial support for serious, life-changing diagnoses that go beyond hospitalisation costs
Critical Illnesses Cover
Pays a lump sum (Sum insured) on diagnosis of a covered critical illness such as cancer, heart attack, kidney failure.
How this helps:
An employee is diagnosed with cancer. The hospitalisation claim covers treatment. The critical illness lump sum (Sum insured) help the insured with expeses such as income loss, recovery and family expenses.
Top‑Up Cover
When the base sum insured runs out, this second layer of insurance activates — covering additional expenses beyond the original limit.
How this helps:
An employee's ₹5L sum insured is exhausted . The top-up cover kicks in to pay the remaining claims amount (as per top-up Sum insured).
Enhanced Sum Insured
Refills your sum insured in the same policy year incase the sum insured is insufficient due to any previous claims in the policy year, but only for Accidentrelated or listed Critical Illness hospitalization. Normal claims cannot use the restored amount.
How this helps:
Ensures you’re financially protected during major emergencies such as heart surgeries, paralysis, severe stroke, cancer or major organ transplant.
Sleep Apnoea Cover
Covers diagnosis and ongoing treatment of sleep apnoea — a condition where breathing repeatedly stops during sleep, leading to serious long-term health consequences.
How this helps:
An employee is diagnosed with sleep apnoea requiring a CPAP machine and sleep study. This add-on covers the diagnostic and treatment expense.
Advance Cancer Treatment Cover
Gives you coverage for cancer treatment limit that kicks in upon hospitalization due to a confirmed cancer diagnosis. The Sum Insured under this optional cover shall be in addition to and over and above the Sum Insured available under the Base Cover.
How this helps:
Reduces financial stress by providing additional coverage for cancer treatments, while your regular insurance remains intact.
Miscellaneous Buffer
If this Optional Cover is in force, as specified in the Policy Schedule, a Miscellaneous Buffer amount shall be made available to the Policyholder, over and above the Basic Sum Insured and any Corporate Buffer, as applicable
How this helps:
An employee's final hospital bill has ₹4,200 in miscellaneous charges not covered elsewhere. The buffermay help cover these.
OPD & Wellness

Everyday healthcare — doctor visits, medicines, check-ups and wellness without hospitalisation.
OPD Expenses
Covers routine doctor consultations, prescribed medicines and minor treatments that don't require hospitalisation.
How this helps:
An employee visits a doctor certain times in a year, spending some amounts on consultations and medicines. This add-on reimburses both(upto OPD SI).
Dental Expenses
Covers dental treatments related to non-aesthetic dental treatment — fillings, root canals, extractions and prescribed dental procedures. Cosmetic treatments like whitening are excluded.
How this helps:
An employee needs a root canal and crown. This add-on, helps cover this procedure.
Health Check-Up
Will cover the cost of health checkup incurred by the Insured for medical examination undergone being a requirement from employer .
How this helps:
Helps cover routine company health tests.
Wellness & Preventive Care
Covers a wide range of preventive and wellness services including screenings, nutrition guidance, disease management, online doctor support, health camps, second opinions and wellness discounts, as per limits in the policy.
How this helps:
Helps cover preventive and wellness services which will help you stay healthier yearround through convenient access to medical guidance, lifestyle programs, reminders, and wellness tools.
Advance Cancer Treatment Cover
Extends cancer coverage to include modern targeted therapies — immunotherapy, precision oncology — that are far more effective but significantly more expensive than standard chemotherapy.
How this helps:
An employee's oncologist recommends immunotherapy at ₹2.5L per cycle for 6 cycles. Standard cancer cover doesn't include this. This add-on covers the full ₹15L treatment cost.
Refractive Error (Eyesight Correction)
Covers surgeries like LASIK that permanently correct vision — so the employee no longer needs glasses or contact lenses.
How this helps:
An employee undergoes LASIK surgery costing ₹55,000 for both eyes. This add-on covers the full procedure — a benefit employees rate as one of the most valuable they've received.
Age‑Related Macular Degeneration
Covers outpatient treatment for macular degeneration — a progressive eye condition where central vision deteriorates, commonly affecting employees over 50.
How this helps:
An employee over 55 requires regular eye injections for macular degeneration at ₹18,000 per session. This add-on covers ongoing treatment costs that would otherwise be a recurring burden.
Autism Cover
Covers therapies for Autism Spectrum Disorder (ASD) on an outpatient basis — including speech therapy, occupational therapy and behavioural sessions.
How this helps:
An insured person requires therapy sessions per week. This add-on covers these sessions.
Second Opinion
Covers the cost of consulting a second specialist in respect of a diagnosed illness or planned surgical procedure.
How this helps:
An employee is told they need spinal surgery. They seek a second opinion and learn a non-surgical approach will work. This add-on pays for the second opinion charges.
Parenthood & Family Care

Support through pregnancy, newborn care, fertility treatments and family health milestones.
Maternity Expenses
Covers delivery charges (normal and caesarean), hospitalisation and specified pre/post-natal care.
How this helps:
Helps cover medical expenses incurred for delivery, during Hospitalisation or lawful medical termination of pregnancy.
Cost of Prescribed External Medical Aid
Covers equipment a doctor prescribes for recovery or daily functioning — crutches, wheelchairs, hearing aids, knee braces, prosthetic limbs.
How this helps:
An employee recovering from a leg fracture is prescribed crutches and a knee brace. This add-on reimburses the cost.
Baby Day One Cover
Covers the newborn from the very first day of birth upto 91 days — so any uncertainties like NICU stay, jaundice treatment or post-birth care is covered immediately without any waiting period.
How this helps:
A newborn needs 4 days of NICU care for jaundice. With this it, it's covered from day 1 of birth.
Cover for Alternate Methods of Treatment
Covers acupuncture and acupressure treatments when prescribed by a registered doctor as part of a treatment plan.
How this helps:
A doctor prescribes acupuncture for an employee's chronic lower back pain. This add-on covers sessions.
Donor Expenses
Covers the medical costs of the organ donor during a transplant — surgery, hospitalisation and recovery.
How this helps:
An employee needs a kidney transplant. The donor's surgery and hospitalisation costs are covered.
Infertility Treatment Expenses
Covers assisted reproduction treatments — IVF, IUI and related procedures.
How this helps:
The insured individual undergoes IVF cycles. This add-on reimburses those costs (subject to policy t&c).
External Congenital Anomaly Cover
Covers surgical treatment for visible birth defects in a newborn — such as cleft lip, extra digits or other conditions requiring correction shortly after birth.
How this helps:
A newborn requires cleft lip corrective surgery. This add-on covers the surgical cost.
Vaccination Expenses
Covers the cost of vaccines prescribed for the Insured member and their covered family members — from flu shots to paediatric vaccines to travel immunisations.
How this helps:
Helps provide coverage for vaccination costs of insured individuals. This add-on covers all prescribed vaccinations for covered member.
Oocyte Donor
Covers the oocyte donor’s hospitalization expenses if she faces complications from the oocyte retrieval procedure, up to the limit mentioned in the policy schedule.
How this helps:
Provides financial support for complications faced during oocyte retrieval process.
In‑patient Hospitalisation for Surrogacy
Covers the hospitalisation costs of the surrogate mother during the pregnancy and delivery process.
How this helps:
A surrogate mother's delivery incur costs. This add-on covers the medical hospitalisation expenses.
Recovery & Home Care

Support after discharge — helping employees recover comfortably at home.
Convalescence Benefit
This add on covers provide a certain amount after hospitalisation for a minimum period of consecutive days due to any injury or illness as covered under the Policy .
How this helps:
If an insured individual hospitalised for 14 days (subject to this being covered under the add on) following a surgery , this add on helps provide a lump sum benefit.
Hospital Daily Cash Allowance
Pays a fixed daily cash amount for each day of hospitalisation subject to the minimum number of consecutive days of Hospitalization required as specified in the Policy Schedule.
How this helps:
An employee is in hospital for 7 days. With a ₹1,000/day allowance, they receive ₹7,000 in cash — covering meals, family transport and other small costs the main claim doesn't address.
Home Health Care
Covers medical treatment delivered at home when hospitalisation isn't necessary but professional care .
How this helps:
Post-surgery, a doctor prescribes physiotherapy home visits. This add-on covers all sessions so recovery happens comfortably at home.
Home Health Care
Covers medical treatment delivered at home when hospitalisation isn't necessary but professional care is — like IV drips, wound dressing or physiotherapy visits.
How this helps:
Post-surgery, a doctor prescribes 10 physiotherapy home visits at ₹1,500 each. This add-on covers all 10 sessions (₹15,000) so recovery happens comfortably at home.
Nursing at Home
Covers the cost of hiring a qualified nurse to provide professional medical care at home after discharge from hospital.
How this helps:
Will help provide coverage incase of Qualified Nurse at Your Residence.
Base Benefits

All the essentials for medical and wellness care in one place.
IPD hospitalization
Covers medical expenses incurred during hospital admissions requiring at least 24 hours of stay.
Day Care hospitalization
Covers medical procedures that do not require 24-hour hospitalization due to medical advancements.
AYUSH hospitalization
Covers hospitalization expenses for treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Technological advancements and treatments
Covers modern treatments using advanced medical technologies.
Bariatric surgery
Covers medically necessary weight-loss surgeries for obesity management.
Mental treatment
Covers hospitalization expenses for mental health conditions.
Health tracker through Face scan
Instantly assess key health indicators using a simple face scan via your device.
Tele-consultation
Access qualified doctors remotely anytime, anywhere.
Mental well being sessions
Access professional support for emotional and psychological wellness.
Fitness plan
Get customized fitness programs aligned with your health goals.
Immunity risk assessment
Evaluate your immunity levels and health risks proactively.
Note

Please refer policy wording of specific covers for better understanding on the complete list of what’s covered and what’s not covered.

Difference between Group Health Insurance
and Individual Health Plan

Aspect Group Health Insurance Individual Health Plan
Meaning Covers a group of people under one policy Covers a single individual
Who is insured? Employees and their family members Covers a single individual
Purchaser & premium payment Employer purchases the group health insurance and pays the premium Individual purchases and pays the premium
Control over the plan Limited flexibility in group health insurance plans Full control over coverage and add-ons
Pre-existing disease coverage Covered from day one under group health insurance Usually covered after a waiting period
Coverage duration Valid as long as employment and group health insurance continue Needs to be renewed every year

How to process a claim?

3. Claim verification

The group health insurance claim is reviewed and processed.

6. Claim via IL TakeCare app

Group health insurance claims can also be filed and tracked through the IL TakeCare app.

Why Businesses Trust Us

ACG Group

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ICICI Lombard has been our insurance partner for more than a decade. The company has a diverse portfolio of non-health services, and have successfully helped us sail through the risk hurdles with outstanding solutions in Property and Marine segment.

Enzene Biosciences Limited

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ICICI Lombard’s sales and service team is excellent and I am truly impressed. We had an association of more than 5 years and Excellent support in terms of claim settlement be it health or fire.

Mantra Softech (India) Pvt Ltd

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We are customer of ICICI Lombard since long time and they are very competitive in market and they are far ahead in digitalization compare to others. We have very good experience with their services.

M/s Amsec Systems

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I am writing this to express my immense gratitude and great fullness for your support in getting the insurance claim for my shop!

Larsen & Toubro

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Customer friendly insurer. Goes the extra mile to meet deliverables. Happy to work with ICICI Lombard.

Luxmi Tea Company Private Limited

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We are associated with ICICI Lombard since 2018. They have been a phenomenal risk solution partner & underwriter providing exceptional service. Thank you for the service, support & co-operation.

Frequently asked questions - Group Health
Insurance for employees

 

What is not covered under a
group health insurance policy?

Group health insurance does not cover:

Pre-existing diseases during the waiting period

Certain illnesses and surgeries during initial waiting periods

Illnesses within the first 30 days (except accidents)

Diagnostic-only hospital admissions

Rest cure, rehabilitation and custodial care

Cosmetic, obesity-related and experimental treatments

Injuries from hazardous sports

Alcohol or substance abuse-related treatments

Infertility and certain maternity-related expenses

Note

Please refer policy wording of specific covers for better understanding on the complete list of what’s covered and what’s not covered.

 

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Disclaimers

  • *As on April 2025 to June 2026

  • #as on June 2026 in the private sector.   Source: General Insurance Council

  • cAs on 15th July 2026

  • zApplicable to all sum insured; consultations can be availed via IL TakeCare App . Choosing the services under this Cover is purely upon the Insured Person’s own discretion and at own risk. The services under this Benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional.

  • QAs per policy T&C. This facility will be extended based on confirmation from respective hospital/healthcare provider. Customer to request through app at least 24 hours before planned admission date.

  • 1For elective procedures, customer should intimate at least 48 hours prior to admission.

  • 2For emergency treatment, customer should intimate within 48 hours of admission.

  • 3Claim shall be admissible as per terms of the policy and cashless facility shall be admissible as per the operating guidelines of the Insurance Company.

Product Product code UIN No.
Group Health Insurance 4016 ICIHLGP24019V062324
Group Health insurance 4015 ICIHLGP24018V052324