Corporate Health Insurance for Employer and Employee Group Activ Health

PROTECTING	INVESTING	FINANCING	ADVISING
Life Insurance	Mutual Funds	Home Finance	MoneyforLife Planner
Health Insurance	Stock & Securities	Personal Finance	ABC of Money
Multiply Wellness	Wealth Management	SME Finance
Motor Insurance	Portfolio Management Services	Loan Against Securities
Travel Insurance	Pension Funds	Real Estate Finance
	Real Estate Investments

PROTECTING	INVESTING	FINANCING	ADVISING
Corporate General Insurance	Portfolio Management Services	Corporate Finance	MoneyForLife Planner
Group Life Insurance	Pension Funds	Mortgage Finance	ABC of Money
Group Health Insurance	Stocks & securities	Loans Against Securities
	Mutual Funds	DCM & Loan Syndication

PROTECTING	INVESTING	FINANCING	ADVISING
Life Insurance Advisors	Mutual Funds Advisors	Financing Advisors	Select Advisors
Health Insurance Advisor	Stock & Securities Advisors

Key Benefits for Every Insured Employee

In Patient Hospitalisation

Cover for medical expenses related to in-patient hospitalization, such as room rent, doctor's fee, operation theater expenses, diagnostic tests, and medicines, incurred on hospitalization of more than 24 hours for an illness or injury.

Pre-hospitalization Medical Expenses

Reimbursement for any medical expense incurred before and after hospitalization for a covered illness or injury, up to the specified limits.

Domiciliary hospitalization

Cover for medical expenses in case of treatment at home, either because the insured person’s health condition does not allow hospital transfer, or due to unavailability of bed at the hospital. This applies hospitalization that continues for at least three consecutive days.

Hospital Cash Benefit

Daily allowance in case of hospitalization for continuous and completed period of 24 hours for the treatment of an illness or injury, up to the number of days specified.

Road Ambulance Cover

Cover for the cost incurred on transportation of the insured person to a hospital by a road ambulance, along with hospital transfers for specialty treatment.

OPD Expenses

Cover for all reasonable and customary charges incurred on an out-patient basis
This benefit takes care of medically required consultations, doctor visits, diagnostic tests, pharmacy expenses.
Alternative treatments are also covered

Accidental Hospitalization

Cover for medical costs incurred due to an injury suffered due to accident.
This benefit only applies to in-patient hospitalization of more than 24 hours.
This benefit only applies to hospitalization in India.
This benefit only applies for medically necessary treatment taken on the written advice of a medical practitioner. This benefit only applies if the insured person is admitted to hospital within 7 days from the day that accident occurs.

Psychiatric in-patient care

Cover for medical expenses related to in-patient treatment of more than 24 hours
This benefit is available at recognized psychiatric units of a hospital
This benefit applies to consultations, diagnostics, counselling and/or therapy and medication
This benefit only applies to in-patient treatment administered under the direct control of a registered psychiatrist

Organ Donor Expenses

Cover for medical expenses incurred by your employee on the surgery for their organ donor to harvest their organ. This is covered up to the sum insured amount.

This benefit would only apply if the following conditions are fulfilled:

The donation conforms to The Transplantation of Human Organs Act 1994 and the organ is for the use of the Insured Person.
The insured person is the recipient of the organ so donated by the organ donor.
The organ transplant is medically necessary for the Insured Person as certified by a Medical Practitioner.

Health check-up program

Cover for health check-ups to keep track of fitness and lead a healthy lifestyle.

Fitness Assessment

Cover for physical fitness exam that measures cardiovascular endurance, flexibility, strength, height to weight ratio and body fat percentage.

Health Assessment

Cover for Cholesterol, Blood pressure, Blood Glucose, Body Mass Index, Hip Waist Ratio and smoking status tests at diagnostic centers within our healthcare network.

HIV Cover

The insured employee gets cover for medical expenses related to HIV or HIV-related illnesses such as AIDS. This includes in-patient hospitalization.

Sports activity cover

If employees engage in sports activity or professional sports in accordance with guidelines and codes of good practice, any hospitalization for sports-related injury gets covered.

Infertility treatment

The insured employee gets cover for expenses incurred on infertility treatment via OPD, day care treatment or in-patient hospitalization.

Wellmother cover

If the insured employee’s child is hospitalized (who is also insured) in ICU, Neo-natal ICU or Cardiac Care Unit, the policy covers boarding of the child’s mother in the same hospital.

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Personalised covers to fit your business needs

Protect your employees and their families, with our customised health and wellness solutions for corporates.

Large Organisations

Our solutions for large corporates covering their employees and dependents.

Small Organisations

Specifically tailor made Employer employee solutions for small organizations.

Affinity

Non Employer employee solution such as Associations, Dealers, Insurance as reward programs.

Rural Sector

Catering to the rural and under privileged population.

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with a strength of employees

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Quick Quote

Stay fit with our Activ Health App

Track your daily physical activity - from steps to gym workout sessions

Book your health check-up

Store your health records

Earn and track your HealthReturns™ to earn back up to 30% of your premium

Browse doctors, diagnostic centers & pharmacies in your area

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Refund/cancellation Policy

1. The premium is paid for purchase of insurance policy through net banking account or credit/debit card issued in my name, i.e. proposer/policyholder.
2. Any Document required by the Company before issuance of a policy or for processing application or Claim settlement or premium refund shall be provided by me to the Company.
3. I hereby confirm that all premiums have been/will be paid from genuine sources and no premiums have been/will be paid out of proceeds of crime related to any of the scheduled offences listed in Prevention of Money Laundering Act, 2002. I understand that the Insurance Company has the right to call for documents to establish sources of funds. The insurance company has right to cancel the insurance contract in case I am/ have been found guilty by any competent court of law under any of the statutes, directly or indirectly governing the prevention of money laundering in India.
4. According to Regulation 3(d), 3(f) & 3(g) of Insurance Regulatory and Development Authority (IRDA) (Manner of Receipt of Premium) Regulations, 2002, the premium to be paid by any person proposing to take an insurance policy (hereinafter referred to as the proposer) or by the policyholder to an insurer may be made through credit/debit card held in his name, Internet or E-Transfer.
5. As per Anti-Money Laundering / Counter Financing of Terrorism (AML/CFT) guidelines issued by IRDA for general insurance companies are required to carry out Know Your Customer (KYC) norms at the settlement stage where Claim payout /premium refund crosses a threshold of Rs. 1 lakh per claim /premium refund.
6. Insurance Company may, at its sole discretion, call for any document before issuance of a policy or for processing the application of Claim settlements /premium refund.

Key highlights