Why Group Insurance Matters Today

Group insurance is no longer just an HR benefit. It is a strategic tool for employee retention, business continuity, and financial security.

Core Group Insurance Covers

1. Group Term Life (GTL)

• Death cover (natural or accidental)
• Lump sum payout to nominee
• High coverage at low cost

2. Group Mediclaim (GMC)

• Hospitalisation expenses
• Coverage for dependents
• Pre & post hospitalisation

3. Group Personal Accident (GPA)

• Accidental death cover
• Disability protection
• Ideal for field and factory staff

Common Problems

• Low sum insured
• Hidden sub-limits
• Network hospital mismatch
• Claim confusion

Why Customisation Is Important

Every company is different. A one-size-fits-all policy leads to gaps or unnecessary costs.

• Optimal sum insured
• Deductibles & co-pay planning
• Claims monitoring
• Wellness programs

Claims Management

• Delayed approvals
• Cashless issues
• Documentation problems

Claims are the real test of group insurance.

SMEs vs Large Corporates

• SMEs: Simple & cost-effective plans
• Corporates: Scalable & data-driven plans

How Findoot Helps

• ✔ Workforce risk analysis
• ✔ Policy design
• ✔ Insurer negotiation
• ✔ Claims support
• ✔ Annual optimisation

Check Your Current Policy

• Are employees satisfied?
• Are premiums increasing?
• Is HR overloaded?