What is The Group mediclaim Plan or what is different between Individual Health
Insurance and Group Medi Claim ?
Now we are explaining you Group medical plan is better than Individual Health Plan, We are not saying to Individual Health Plan is useless. But comparably more benefits are available in Group Mediclaim Policy.
Basically It can be a special plan, Means specially designed for Corporate or industrial sector. It's called Tailor made Plan also. General Insurance Companies and Health insurance companies both are participate in Group Mediclaim .
In individual Health Policy there is exclusions like 30 days waiting period for accidental or any disease and 2 or 3 years waiting period for pre existing disease. But Accidental and disease are covered from 1'st day in Group Mediclaim Policy. This is main benefit providing by Insurance company only for Group Medi Claim Policy. Maternity cover and New born baby cover also includable as per company guideline. We can also include our family members In Group Mediclaim Policy.
For women nowadays women are working each and every sector , so they need maternity cover, but if go for individual plan it will not cover. Maternity is not a disease , but it also included in expenses. Basically we want to say in group Mediclaim Plan maternity cover can be given by Insurance company, second thing new born baby also covered from Day one. Group medical policy suitable for small organization also because of minimum count of employees also eligible for this policy. Addition and deletion facility available, Family Members also cover the same ,Because this is only the fundamentals of insurance co that big group less minimum. Group accidental policy also available but only for accidental cover.
Any company or organization who make group mediclaim , It will come in Expenditure side , But they can be get tax benefits etc. and you will also ask reverse benefits. Group mediClaim policy is like gift for employees, but if any company think that this is unnecessary expenses for them, then they are wrong , it have facility to choose their own premium how they can pay. Lots of insurance company wants to have portfolio of maximum no of organization, hence they can sell more and more products to the Companies and Employees.
And now we are going to discuss about the exclusions it's called permanently excluded means not going to cover in Corporate Plan.
These are the basic exclusions like ,1) Dental Treatment 2) HIV Treatment 3) Cosmetic surgeryor Unani Treatment, Ayurvedic Treatment also not covered any Policy So guys thinks about it and choose the best Plan as earlier.

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