Group Health Insurance

GET GROUP HEALTH INSURANCE POLICY

  • Group Health Insurance cover, to ensure all our employees as well as their families is covered against unforeseen medical expenses either due to disease or accident.
  • Allowing you the flexibility to choose covers as per your needs.
  • Cashless services at network hospitals without worrying about paying for treatment and hospitalization charges.
BASE LINE BENEFITS
  • In Patient Treatment> 24 hours
  • 30 days waiting waiver
  • ½ years disease exclusion
  • Pre-existing disease
  • Pre and Post Hospitalization
  • All day care procedure
  • Ambulance Care
  • Maternity Benefits
  • 9 months waiting waiver
PREMIUM BENEFITS
  • Baby Day One Care
  • Vaccination Benefits
  • Increased room rent limits
  • Corporate Buffer
  • Out-patient Treatment (OPD Card)
DISCOUNT FOR CUSTOMIZATION
  • Co-pay for all claims
  • Co-pay for parental claims
  • Disease wise sub-limits
  • Group Discounts
  • PPN Network

EXCLUSIONS

The Company will not be liable under the Policy in respect of payment towards treatment taken due to:

Any condition, ailment or injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of your first policy, until 48 consecutive months have elapsed, after the date of inception of the first policy with us.

Any disease/ailment contracted during the first 30 days of commencement of the policy and charges for admission, discharge, administration, registration, documentation and filing, service expenses/surcharges.

Non-allopathic treatment, Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this, including caesarian section. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonographic Report and certification by Gynecologist that it is life threatening.

Congenital diseases, All expenses related to AIDS and related diseases. Ailments / Complications arising out of use/abuse of intoxicating drugs or alcohol.

CLAIM PROCESS:

Reimbursement Claim Process:

Network Hospitals

In case of emergency or planned hospitalization, just use your Health Card at the Network hospitals and avail of Cashless Service.

Non-Network Hospitals

The Claim Form must be duly filled after discharge from hospital. It should be accompanied with all Hospital Bills with Receipt for payments, Doctor’s Prescription and medicine bills, Discharge Summary from the Hospital, Pathological Reports & Other Reports etc.

Cashless Claim Process:

To avail the cashless facility you need to fill “Cashless request form” available in all the network hospitals. The hospitals will co-ordinate to get the authorization from the HCS/TPA for such cashless facility. This authorization along with a copy of the card issued by us needs to be given to the hospital at the time of admission. You are also required to carry a Photo Id Card or any valid identity proof.

WHY SHUBH FINANCIAL HUB?

(1) At SHUBH FINANCIAL HUB, we strive to use an innovative approach to develop health insurance products that cut costs while maintaining superior coverage.
(2) Our Health Insurance Package is tailored specifically to fit the needs of your group.
(3) Our group health insurance plan provides cover to all the members in a single policy.
(4) We also provide 24×7 claim assistance and easy claim settlement process.