Group Health Insurance

A business needs to ensure the safety of its first resource; its employees. The Group Health Care / Group Medi-claim policy provided by KR Insurance Services caters to all employees of the business, irrespective of the size of the entity. We provide insurance covers to large, medium and small size organizations; employee strength ranging from 5 employees onwards.

KR insurance service offers a range of medical insurance plans and healthcare solutions which is an excellent blend to suit your corporate requirements as well as your budget.

KR Insurance Services provides prompt and best value added services to corporates, the key features are –

  1. Single window solutions through dedicated relationship manager.
  2. Arranging wider terms, tailor made policies at best discounted pricing from the insurers.
  3. Clients get benefitted through our In-depth knowledge of insurance terms, policy placement, claim settlement services and other insurance practices.
  4. Hassel free & prompt services leads to the savings for our clients in terms of man-hours and administrative costs.
  5. Renewal reminder services – auto generated renewal reminders.
  6. Insurance audit with NIL cost implications of your existing insurance policies.
  7. Personalized claim assistance through our dedicated and experienced team.
  8. Analysis of previous claim data to suggest improvement on loss ratios.
  9. Priority hospitalization on case to case basis.
  10. Through our network partners In India, we are arranging quotations for planned hospitalizations in India.
  11. In-house medical team for obtaining second opinion on claims (if required).
  12. Tailor made policy options matching to the different requirements of the customers.
  13. Wellness programs – Health awareness sessions, Basic Health check-ups, Eye/Dental checkups, Art of living session for group of employees, Session with Dietician etc.
  14. Policy awareness program for employees through – presentation, help-desk, tailor-made mailers and messages.
  15. Weekly health tips mailer for the employees of your organization (optional).
  16. Tagging of important clients / employees for additional attention while handling their claims and delivering services to them – red carpet services.

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Why KR Insurance Services ?

  • Lowest Quotations
  • Prompt Claim Services
  • Wide Quote Comparisons
  • Best Insurance Industry Practices

Main Cover / Group Health Insurance

The tailor-made healthcare solutions and medical insurance plans offers the following features:- 

1. Cashless treatment in Hospitals.

2. Hospitalization benefits per insured per year up to policy sum insured value.

 

Inpatient Treatment

1. Daily Room and Board / Hospitalization Accommodation

2. Hospitalization Class

3. Intensive Care Unit

4. Consultant's, Surgeon, & Anesthetist Fees

5. Diagnostic Tests

6. CT Scan, MRI and PET scans received as an in-patient

7. Various Therapies including Physiotherapy, Chemotherapy, radiation therapy etc. charges

8. Companion Room and Board Accommodation

9. In-hospital Cash Benefit
    (for In-patient treatment received completely free of charge)

10.Use of hospital medical equipment (e.g. heart and lung support systems, etc.)

11.Recipient Organ transplantation service, excluding any charges related to Donor

12.Medical Evacuation & Repatriation costs for the transport of mortal remains to the country of origin

 

Out Patient Treatment

1. Medical Practitioner charges for consultations / Specialist Fees

    Outpatient Surgery

2. Day Care Treatment (Treatment that takes place in the hospital but does not require overnight stay)           

3. Prescriptions Drugs

4. Diagnostics (X-Ray, MRI, CT Scan, Ultra Sound, etc.) and Laboratory tests

5. Physiotherapy [Required Pre-authorization]

6. Coinsurance for Treatment at Non-designated Providers within the territorial limit, Excluding Government Hospitals and Health centers (after the other applicable deductible and benefit coinsurance)

 

Other Benefits

1. Accidental Damage to natural teeth following an accident

2. Alternative Medicine (e.g. Ayurveda, Homeopathy, Acupuncture and Herbal Treatments)

3. Pre-existing Conditions

 

Key Benefits

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