At Zurich Kotak General Insurance, we have designed comprehensive group insurance policies to protect employer-employee groups and non-employer-employee groups like banks, credit societies, educational institutions, travel companies, etc. The term "group health insurance" refers to a health insurance plan that covers many employees working under the same organization. As the employer bears the premium for the same, this is often a valuable benefit for employees. Given the potential risks we are prone to in our daily lives, our policies offer superior coverage to the workforce/group members and their families against unforeseen medical expenditures and accidental risks. The group insurance policies are tailor-made to fit all health and accident-related requirements.
Here's a quick look at our group policies, and their differentiating features:
Overview
Group Health Care policy provides customised Health insurance coverage for employees/group members and their dependents based on a company’s requirements. The rising costs in healthcare have made it imperative for companies, irrespective of their size, to safeguard the interests of group members in case of hospitalisation. Available at flexible and affordable rates, the policy helps companies to cushion the financial strain faced by their employees/group members due to unforeseen medical expenses.
Key Features & Benefits
In-patient Treatment
Pre-hospitalisation Medical Expenses
Post-hospitalisation Medical Expenses
Day Care Treatment
Domiciliary Hospitalisation
Emergency Ambulance
Donor Expenses
There are several other optional covers like Alternative Treatment, Daily Cash Benefit, Home Nursing, Convalescence, etc. which can be included in the policy.
Overview
Group Secure Shield, provides a lumpsum benefit on the occurrence of the specified list of critical illnesses. It also provides lumpsum benefit in case of death or disability due to an accident. This policy can be taken by banks/financial institutions to protect the loan liability of the customers. In case the customer is diagnosed with critical illness or there is death/disability of the customer, the policy will take care of the loan liability of the customer.
Key Features & Benefits
Critical Illness
Death/ Permanent Total Disablement (PTD) due to accident
Child Education Benefit
Loss of Job Benefit (due to Illness/ Accident)
Overview
Group Accident Protect is a comprehensive approach taken to financially protect every member of the company against the unforeseen risks due to death or disability resulting from an accident. The policy assesses all the risks involved in such a scenario and safeguards the interests of the insured.
Key Features & Benefits
Accidental Death
Permanent Total Disablement (PTD)
Permanent Partial Disablement (PPD)
Temporary Total Disablement (TTD)
Accidental Hospitalisation
Compassionate Visit
Modification of Residence/ Vehicle
Overview
Group Smart Cash will provide a fixed amount for each day of hospitalisation, irrespective of the medical costs. This policy will help to cover the incidental and ancillary expenses (medical and non-medical) that are not covered under the basic health insurance policy.
Key Features & Benefits
Hospital Daily Cash Benefit
Accident Daily Cash Benefit
ICU Daily Cash Benefit
Alternative Treatment Benefit (optional benefit)
Overview
Covid-19 Secure is a comprehensive group policy which provides lumpsum benefits as well as covers hospitalisation expenses in case of positive diagnosis of Covid in a government authorized diagnostic centre. This policy can be taken by various groups to protect the interests of their group members during the Covid-19 pandemic.
Key Features & Benefits
Covid-19 Diagnosis Cover
In-patient Hospitalisation Cover
Pre & Post Hospitalization Medical Expenses
Ambulance Cover
Hospital Daily Cash Benefit
Overview
Group Smart Health is a comprehensive group insurance policy which can be customised as per the requirements of the group. The policy consists of various sections which can be taken as per the group requirements.
Key Sections & Benefits
Personal Accident Benefit
Animal, Insect And Reptile Attack Benefit
Specific Vector Borne Disease Benefit
Specific Communicable Disease Benefit
Hospital Daily Cash Benefit
Critical Illness Benefit
Overview
Group Health Assure policy provides customised health insurance coverage to the group members based on the group’s requirements. The policy helps to cushion the financial liability faced by group members due to unforeseen medical exigencies.
Key Features & Benefits
In-patient Treatment
Pre and Post hospitalisation Medical Expenses
Day Care Treatment
Domiciliary Hospitalisation
Emergency Ambulance
Donor Expenses
AYUSH Treatment
There are several other optional covers like Air Ambulance, Daily Cash Benefit, Convalescence, etc. which can be included in the policy.
Zurich Kotak General Insurance also provides below mentioned Group products to cater to the needs of micro insurance customers:
Group Health Care - Micro Insurance – UIN: ZUKHMGP21347V032021
Group Secure Shield - Micro Insurance – UIN: ZUKHMGP22115V032122
Group Accident Protect - Micro Insurance – UIN: ZUKPMGP22116V032122
Group Smart Cash - Micro Insurance – UIN: ZUKHMGP21348V032021
Group Smart Health - Micro Insurance (UIN: ZUKHMGP24063V032324)
Group Health Assure - Micro Insurance (UIN: ZUKHMGP24064V032324)