Employee Benefit Insurance
Employee Benefit Insurance That Works for You and Your Workforce
What is Employee Benefit Insurance?
Employee Benefit Insurance is a group of insurance plans offered by companies to take care of their employees’ health, wellbeing, and financial security. It’s a way for employers to show that they value their team — by protecting them against unexpected medical expenses, accidents, or life risks.
This coverage is usually provided as part of the employee’s overall compensation package and is a powerful tool to attract and retain great talent.
Types of Employee Benefit Insurance
Why is Employee Benefit Insurance Important?
Protects Employees and Their Families during tough times
Builds Employee Loyalty and Morale
Helps Attract Quality Talent in a competitive market
Key Features of Employee Benefit Insurance
Group Coverage
Covers all eligible employees under a single policy, making it simple and cost-effective for the company.
Customizable Plans
Tailor the insurance based on the size of your workforce, industry, and employee needs — from basic health cover to advanced wellness and life protection.
Health Insurance for Employees & Dependents
Offers coverage for hospitalization, surgeries, and sometimes even maternity and day-care procedures. Some plans also extend to spouses, children, or parents.
Life & Accident Protection
Includes group term life and personal accident insurance to ensure financial support for employees or their families in case of disability or death.
Cashless Hospital Network
Most plans offer access to a wide network of hospitals where employees can get treatment without paying upfront.
Tax Benefits
Employers can claim tax deductions on the premium paid, while employees enjoy a tax-free benefit.
Key Features of Employee Benefit Insurance
Group Coverage
Covers all eligible employees under a single policy, making it simple and cost-effective for the company.
Customizable Plans
Tailor the insurance based on the size of your workforce, industry, and employee needs — from basic health cover to advanced wellness and life protection.
Health Insurance for Employees & Dependents
Offers coverage for hospitalization, surgeries, and sometimes even maternity and day-care procedures. Some plans also extend to spouses, children, or parents.
Life & Accident Protection
Includes group term life and personal accident insurance to ensure financial support for employees or their families in case of disability or death.
Cashless Hospital Network
Most plans offer access to a wide network of hospitals where employees can get treatment without paying upfront.
Tax Benefits
Employers can claim tax deductions on the premium paid, while employees enjoy a tax-free benefit.
Easy Claims Process
Simplified claims procedures, often with dedicated support, make it easy for employees to use the benefits when needed.
Boosts Morale and Retention
Helps improve job satisfaction and loyalty by showing employees they’re cared for and valued.
Supports Financial Wellbeing
Reduces out-of-pocket expenses for medical emergencies and secures the future of employees and their families.
Why Buy Employee Health Insurance Policy via Go Insure India?
Expertise You Can Count On
We specialize in corporate insurance solutions. Our experienced team understands your business, your people, and the risks you face — so we recommend only what truly fits your needs.
Custom Plans, Just for You
No two companies are the same. That’s why we don’t believe in one-size-fits-all insurance. Whether you have 7 employees or more than 1,000, we build a plan that’s tailored to your team’s size, age, and health profile.
Affordable Premiums with Maximum Value
Get the right balance of coverage and cost. We work with top insurers in India to get you the most value for every rupee spent — without cutting corners on protection.
Cashless Hospital Network Across India
Your employees get access to a wide network of trusted hospitals for seamless, cashless treatment — so they’re never alone in a medical emergency.
Dedicated Claims Manager
Claims can be stressful — but not with us. Go Insure India offers dedicated claims assistance to guide your team through the process smoothly and quickly.
Faster Onboarding & Easy Policy Management
From digital documentation to employee onboarding and renewals — everything is handled fast and efficiently. Less paperwork, more peace of mind.
Why Buy Employee Health Insurance Policy via Go Insure India?
Expertise You Can Count On
We specialize in corporate insurance solutions. Our experienced team understands your business, your people, and the risks you face — so we recommend only what truly fits your needs.
Custom Plans, Just for You
No two companies are the same. That’s why we don’t believe in one-size-fits-all insurance. Whether you have 7 employees or more than 1,000, we build a plan that’s tailored to your team’s size, age, and health profile.
Affordable Premiums with Maximum Value
Get the right balance of coverage and cost. We work with top insurers in India to get you the most value for every rupee spent — without cutting corners on protection.
Cashless Hospital Network Across India
Your employees get access to a wide network of trusted hospitals for seamless, cashless treatment — so they’re never alone in a medical emergency.
Dedicated Claims Manager
Claims can be stressful — but not with us. Go Insure India offers dedicated claims assistance to guide your team through the process smoothly and quickly.
Faster Onboarding & Easy Policy Management
From digital documentation to employee onboarding and renewals — everything is handled fast and efficiently. Less paperwork, more peace of mind.
Employee Wellness, Not Just Insurance
Beyond just covering hospital bills, we also help promote preventive health check-ups, mental wellness options, and employee awareness sessions. A healthy team is a productive team.
100% Transparent and Ethical
No hidden clauses. No fine print traps. Just honest advice and complete clarity — because your trust matters to us more than a sale.
Employee Health Insurance: What’s Covered and Not Covered
What does Employee Health Insurance Cover
Hospitalization Expenses
Room rent, ICU charges, doctor’s fees, nursing, etc.
Pre and Post Hospitalization
Medical expenses incurred usually 30 days beforeand 60–90 days after hospitalization (varies by policy).
Daycare Procedures
Surgeries/treatments that don’t require 24-hour hospitalization (like cataract surgery, dialysis, etc.).
Maternity Benefits(if included)
Delivery expenses and sometimes newborn coverage.
COVID-19 & Other Communicable Diseases
Most modern group plans now include COVID-19 coverage.
Pre-existing Diseases
Often covered from day 1in group policies, unlike retail health insurance.
Ambulance Charges
Coverage for ambulance costs up to a certain limit.
Mental Health Coverage(if included)
Some plans now cover psychiatric consultations and treatments.
What Employee Health Insurance Does NOT Cover
Cosmetic or Plastic Surgery
Unless needed due to an accident or illness.
Self-Inflicted Injuries or Substance Abuse
Injuries due to alcohol, drugs, or suicide attempts.
Non-Allopathic Treatments
Like homeopathy, unless specifically included.
Dental, Vision, and Hearing Aids
Usually excluded unless added as a rider.
OPD Consultations
Most group plans don’t cover doctor visits unless hospitalized.
Infertility or Assisted Conception
IVF, surrogacy, etc., are not usually covered.
Congenital Diseases(may vary)
Some plans exclude treatment of congenital conditions.
Over-the-Counter Medications
Unless prescribed during hospitalization.
Advantage of Employee Benefit Insurance
For Employers (Why it’s good for your business)
- Attracts and Retains Talent: Offering health and life insurance makes your company more attractive to top candidates and encourages current employees to stay longer.
- Boosts Productivity & Morale: A secure and healthy team is a motivated team. When employees feel cared for, they’re more engaged, focused, and loyal.
- Tax Benefits: Premiums paid towards employee benefits may be tax-deductible, helping you save while doing good for your team.
- Strengthens Company Reputation: Being seen as an employer who takes care of their people boosts your brand image — with clients, job seekers, and industry peers.
- Customizable & Scalable: Plans can be adjusted based on team size, budget, and needs — whether you’re a growing startup or a large corporation.
For Employees (Why it matters to your people):
- Health & Financial Security: Employees get peace of mind knowing their medical bills, accident coverage, or life insurance needs are taken care of.
- Family Protection: Many plans extend coverage to dependents — helping protect not just employees, but their loved ones too.
- Cashless Hospitalization: Access to a wide network of hospitals for hassle-free treatment, without paying upfront from their pocket.
- Better Work-Life Balance: Knowing their health and future is protected, employees can focus better on their work and personal life.
- Emergency Support: In tough times like accidents, illnesses, or unfortunate events, employees get the timely support they need.
FAQs over Employee Benefit insurance
Employee Benefit Insurance – That Works for You and Your Workforce
Empower your team with Employee Benefit Insurance from Go Insure India. Designed to attract, retain, and protect your workforce, our tailored plans cover health, life, accident, and retirement benefits—ensuring peace of mind for your employees and long-term value for your business.