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When you're hospitalised, it can be a scary experience. But don't worry - group health insurance can help make the process a little smoother. In this blog, we'll discuss what coverage is available under group health insurance in terms of assistance during hospitalisation. We'll also briefly examine the benefits of group health insurance and explain why it's a good investment for individuals and businesses. So read on to learn more about group health insurance and how it can help you during your hospitalisation.

Who is covered under group health insurance? 

If you're a family member of a worker who is covered under group health insurance, you may be wondering what assistance is available during hospitalisation. Group health insurance is typically available to families, couples, and workers in the same profession. In most cases, this means that you, too, are covered. However, there are a few exclusions - including parents-in-law, siblings, and grandparents. 

By default, the following entities and their employees are eligible for group health insurance in India. 

  1. Employer-employee groups
  2. Non-employer employee groups
  3. Registered clubs, associations, credit groups and societies
  4. Informal groups - social and cultural association

If you do not fall into one of these categories and need coverage, you may be able to find a policy through your government employer or through a government program like ESIC or GHIS.


What are the basic benefits of a group medical health insurance policy? 

There are a lot of benefits to group health insurance, one of which is that it can cover you when you're hospitalised. This includes doctor visits, emergency room costs, and more. If you're a covered person under group health insurance, you may be able to claim reimbursement for your medical expenses.

It's important to talk about your specific needs with an advisor at your insurance company so that you know what's available to you. Do not feel shy about asking questions that you may have, as group medical insurance can bring about a lot of peace in mind during a hospital stay. 

Frequently Asked Questions

Is there anything else I should know before I go into hospitalisation, such as knowing my medical history or talking to a doctor beforehand? 

Yes, there is always something else you should know before hospitalisation. One of the most essential things to know is what hospital package your doctor recommends. This will include a range of costs that may be covered, such as accommodation, medical bills, transportation costs and more.

Most employers and insurers offer assistance during hospitalisation in group health insurance to their employees, which could help cover significant expenses during your stay. To find out more information about this, try visiting the hospital's website or contacting them directly. 

What common problems happen when people get sick and need to use hospital services? 

When people need hospital services, it's essential to know their policy and understand the exclusions and conditions that may apply. If you have group mediclaim insurance, you may be able to cover many of your expenses while in the hospital. 

In addition, make sure to contact your insurance company as soon as possible if you have any questions about coverage. Even if you don't have group health insurance, it's always a good idea to read up on what you must do in case of an emergency so that you're not clueless. Some people turn to their friends or family for help, but this can be risky because they may not have all the details, experience, and information or resources needed. 

In the end, it's always best to be prepared and err on the side of caution. 

What are some of the advantages of having group medical health insurance? 

Group health insurance can provide a variety of benefits to you and your family, including medical expenses, ambulance fees, and even hospicash. In some cases, group health insurance may also cover prescriptions and other treatments related to your illness. 

How do I find out if my employer offers group health insurance? 

If you are an employee of a company that offers group health insurance, it is essential to inquire about the coverage your company provides. You can do this by reading the policy document (if available) carefully and searching for your company's website, speking to the admin, or contacting their human resources department directly.

Once you have obtained and sourced all this information, you can talk to your colleagues and family members to find out if they are also insured under the same policy. 

How much coverage is offered by group health insurance plans? 

Group health insurance policies typically offer a certain level of coverage for hospital expenses, maternity care, prescriptions, and more. However, keep in mind that policies can change at any time, and some exclusions may apply. It is crucial that you are familiar with your policy so you can make the best use of it when you need it most. 

Are there any requirements to be met for group health insurance to cover hospitalisation expenses? 

Yes, there are some special requirements that must be met in order for group health insurance to cover hospitalisation expenses. For example, the policy must have a procedure code that corresponds to the type of admission you are experiencing - this is what will trigger coverage under your plan. Additionally, the policy must have a minimum benefit level in order for hospitalisation expenses to be covered. 



Group insurance policy is a great way to protect yourself and your family from costly hospital bills. By having coverage under a group health insurance plan, you will be able to receive medical assistance during your hospital stay. This can include coverage for medical expenses, hospital room and board, as well as prescriptions. 

Make sure to compare group health insurance policies and find the one that is right for you. You might be more than satisfied at just how much coverage you receive under a group health insurance plan!