Group Health Insurance

Group health insurance is a single policy covering all employees of an organization. It provides uniform benefits to all employees regardless of age or health conditions at lower per-person cost.

Most insurers require minimum 7-20 employees for group policy. Some offer plans for groups as small as 2-5 members for startups.

Depends on the policy. Some cover only employees, others include spouse and children. Parents usually require additional premium.

Group coverage ends when employment ends. Employee can port to individual policy within 30 days of leaving, retaining waiting period credits.

Group insurance is good base but often has limits (₹3-5L). Personal super top-up enhances coverage. Personal policy ensures continuity when changing jobs.