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At DgNote, where we understand the significance of comprehensive healthcare coverage for groups. Group Medical Cover is like a team health superhero for employees. It's a special kind of health insurance that helps everyone in a group, usually from the same workplace. This superhero insurance makes sure that everyone in the group can get good healthcare without worrying too much about the cost.

In India, where healthcare costs are going up, Group Medical Cover is like a shield against these rising expenses. It's not just about money; it's also about making the workplace a happy and healthy space. Because when the team feels safe about their health, it helps create a positive vibe at work.

The standout feature of Group Medical Cover is that it's often like a menu where companies can choose what their team needs. So, it's not one-size-fits-all; it's more like a custom-made health plan. You can even add extra benefits like maternity coverage, dental and vision care, and protection for critical illnesses.

In the world of business where having the best team is super important, offering a strong Group Medical Cover is like saying, "We care about you!" It's a smart way for companies to invest in keeping their team happy and healthy.

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What is Group Medical Cover?

Group Medical Cover is a specialized health insurance offering designed to provide comprehensive coverage to a collective group of individuals, typically within an organization. This insurance model moves away from individual policies and instead offers a master policy that covers all members of the group. The primary objective is to ensure that every member has access to quality healthcare, covering a range of medical expenses such as hospitalization, surgeries, diagnostic tests, doctor consultations, and prescription medications.

In India, where healthcare costs are steadily rising, Group Medical coverage has become an essential component of employee benefits. It provides a financial safety net for employees during medical emergencies, offering a sense of security and peace of mind. Beyond financial protection, Group Medical Cover contributes to a positive work environment by prioritizing the overall well-being of employees.

Why is Group Medical Cover Important?

In a country like India, where healthcare costs are rising steadily, having a Group Medical Cover is crucial. It not only safeguards the health and well-being of your team but also enhances their overall job satisfaction. When employees feel secure about their health, they can focus better on their work, contributing positively to the success of your organization. Here are some reasons why Group Medical Cover is essential.

Healthcare Access

Ensures comprehensive protection by covering a wide range of medical expenses, including Pre and Post hospitalization, diagnostic tests, and 24x7 consultations.

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Financial Security

Ensures employees are financially secure during medical emergencies,
protecting them from
potential high healthcare expenses.

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Organizations can tailor Group Medical Cover to meet the unique healthcare needs of their workforce, guaranteeing personalized and relevant coverage.

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Quality Providers

A robust network of healthcare providers ensures that employees have access to quality medical services, promoting timely and efficient healthcare delivery.

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Efficient Claims

Understanding the claim process and high settlement ratio enhances trust in insurance coverage, ensuring an efficient experience for employees.

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It involves cost-sharing mechanisms like deductibles, co-payments, and co-insurance, offering financial flexibility for both employers and employees.

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Supportive Assistance

Responsive customer support services, easily accessible play a crucial role in assisting employees with queries, claim-related issues, and policy-related concerns, ensuring a smooth experience.

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Renewal Assurance

Understanding and favorable renewal terms contribute to a smooth continuation of coverage, offering ongoing security for employees without unexpected restrictions or changes.

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What are the Types of Plans Under Group Medical Cover?

Group Medical Cover comes in various types, each tailored to cater to different needs and circumstances. Let's explore some of the common types of Group Medical Cover available:
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Individual Plan
Personalized coverage for each employee, addressing individual health needs.
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Floater Plan
Comprehensive coverage for employees and their families under a single sum insured.
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Customized Wellness Programs
Personalized health plans with wellness programs for a healthier team, with added benefits from Health Prime Rider.

Our Group Medical Cover Enhanced with Extra Benefits of Health Prime Rider

Health Prime Rider is like a boost for your health insurance – it adds extra benefits to make your coverage even better. If you have a regular health insurance plan or Group Medical Cover, adding the Health Prime Rider gives you more protection, it includes:

Preventive Health Check-up

Network Centres with more than 62+ test parameters.


Unlimited for both Individual and Family members.


90,000+doctors with 35+ specialists for teleconsultation.


Rider for both individual and family floater based on the variant opted on health plan.

Physical Fitness

Access fitness facilities in network gyms.

Wellness Cover

Promote health with diverse wellness activities.


Available for Doctor Consultation, Pathology and Radiology benefits.

Easy Claim

Reimbursement and Cashless claim settlement assistance.

Risks Included

Group Medical Policy covers a wide range of risks associated with your health. These typically include:
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Hospitalization Expenses
Hospitalization expenses for room rent, nursing expenses, and other related costs during hospital stays.
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Daycare Procedures
Daycare procedures reimburse for medical expenses that do not require an overnight hospital stay.
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Pre and Post-Hospitalization
Pre and post-hospitalization for medical expenses incurred before and after hospitalization.
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Ambulance Charges
Ambulance charges reimburse for the cost of ambulance services during emergencies.
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Maternity Benefits
Maternity-related expenses, including delivery and postnatal care.

Risks Excluded

Some common exclusions include:
Pre-existing Conditions
Pre-existing conditions that existed before the policy was purchased may not be covered initially.
Cosmetic Procedures
Cosmetic procedures related to cosmetic surgeries or treatments may not be included.
Self-Inflicted Injuries
Self-inflicted injuries or illnesses resulting from deliberate actions may not be covered.
Alternative Therapies
Alternative treatments or therapies may be excluded from the coverage.
Non-Medical Expenses
Non-medical expenses not directly related to medical treatment, such as administrative charges or admission fees.
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