Healthcare for Your Entire Team

👥 Group Medical Coverage (GMC)

Premium healthcare coverage for all your employees and their families — cashless hospitalisation across 10,000+ hospitals in India.

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What Is It?

Understanding Group Medical Coverage (GMC)

Group Medical Coverage (GMC) is a health insurance plan that provides comprehensive healthcare benefits to all employees of an organisation and, optionally, their families. As an employer, offering GMC is one of the most powerful tools for attracting and retaining top talent in India's competitive job market.

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Key Numbers

Quick facts that matter for your business decision.

3 min
Policy Issuance
30+
Insurer Options
₹500Cr
Claims Settled
10K+
Happy Clients
Coverage Details

What's Covered

🏥
Cashless Hospitalisation
Access to 10,000+ network hospitals across India for cashless treatment — no upfront payment needed.
🍼
Maternity Benefits
Covers normal and C-section delivery, pre/postnatal care, and newborn baby coverage from day one.
💊
Pre & Post Hospitalisation
Covers medical expenses 30-60 days before admission and 60-90 days after discharge.
🏠
Day Care Procedures
Covers 500+ day-care treatments that don't require 24-hour hospitalisation.
👨‍👩‍👧
Family Floater Option
Extend coverage to spouse, children, and dependent parents with flexible family floater plans.
🚑
Ambulance Charges
Covers ambulance charges for emergency transport to a network hospital.
Who Needs It?

Is This Right for Your Business?

This policy is essential for businesses across these sectors.

🚀 Startups
💻 IT Companies
🏭 Manufacturing
🎓 EdTech
🏥 Healthcare
🏦 BFSI
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Flexible EMI options on annual premiums above ₹10,000
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GST Input Credit available on all business insurance premiums
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Dedicated Claims Manager assigned from day one
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FAQ

Common Questions about Group Medical Coverage (GMC)

What is the minimum team size for GMC? ▾
Protego Health offers GMC plans for groups as small as 5 employees. For groups of 5-20 employees, we offer simplified underwriting with minimal documentation.
Can we include parents in the GMC plan? ▾
Yes! Parent coverage can be included in most GMC plans, though it typically attracts higher premiums due to the higher average age and pre-existing condition risk. We can structure the right plan for your team.
What happens to coverage when an employee leaves? ▾
When an employee leaves, their coverage under the group policy ceases. However, many insurers offer portability options allowing employees to convert their group coverage into an individual health policy.
Does GMC cover pre-existing conditions? ▾
Most GMC plans have a 1-2 year waiting period for pre-existing conditions for new joiners. However, some insurers offer waiver of waiting periods for established groups. Our advisors will find the best terms for your team.

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