Because of my full-stack background

Absolutely

It's really easy

No, group health insurance by default requires all employees who are on company payroll to be covered under the policy. However, there is an option to choose different sum insured based on employee grades. Note if a section of the employees are covered under Employee State Insurance (ESI), then the employer has an option to specifically buy the cover for all non-ESI employees to avoid duplication of health covers.

The maximum age limit is 80 years while there is no minimum age limit.

Yes, COVID-19 treatments are covered from Day 1 without any waiting period. If home hospitalization is covered under the policy, then even home treatments for COVID-19 are covered else only in-patient hospitalization with pre and post hospitalization expenses incl. doctor consultations, lab tests, medicines shall be covered.

A minimum group of 10 employees is required in order to avail group health insurance.

The room rent restriction is expressed in terms of percentage of Sum Insured (SI) per day for Normal Rooms and ICU. Let's take an example - say if sum insured (SI) is Rs. 3 lacs and room rent limit is 2% of SI per day for Normal & 4% of SI per day for ICU. If any employee is admitted to a hospital where per day normal room rent charges are Rs.8K whereas allowable room rent limit under the policy is Rs. 6K (2% of 3 lacs), then not just the room rent but the entire hospital bill (excluding medical consumables, diagnostic fees, medical devices) will be settled on a pro-rata basis in the ratio of allowable room rent (6K) to actual room rent (8K) i.e. 75%. This means 25% of the hospitalization bill would need to be borne by the patient out-of-pocket.

Specific diseases (SD) are slow moving diseases such as kidney stones and cataract which are generally unknown to the patient. Unless waived off, they are subject to blanket waiting period of 2 years regardless of patient aware/unaware of these conditions. An indicative list of such diseases are as follows: 1) Knee/Joint Replacement Surgery 2) Sinus, Tonsils 3) Kidney Stones 4) Cataract Surgery 5) Skin Tumours 6) Hysterectomy 7) Fissures 8) Hernia 9) Varicose Veins 10) Genetic Disorders

Some of the key benefits include: Helps to reduce company’s liability and risk Great employee retention tool Improves employee health and wellness Covers employees regardless of medical conditions Customized features No medical screening

Pre-existing diseases (PED) are such which are already known to the patient at the time of policy inception. Eg. Hypertension, Diabetes, Asthama, Thyroid, High Cholesterol etc. For any treatments that are linked to these PED conditions disclosed by the patient, the same would be subject to waiting period unless waived off. (Eg. Angioplasty for a hypertension patient).