Absolutely, without any doubt.
Since 2020, the Government Of India made it mandatory for organisations to offer group health insurance to their employees. But group health insurance has a ton of benefits - it can change the way your organisation functions. Offering group health insurance and a sensible healthcare plan can make employees feel valued, increase their loyalty to your organisation, and become more productive. Employee health benefits are also a great way to attract and retain talent.
If you are in a group of 7 or more, you are eligible for Vital’s Group Care Plan.
No, but Vital is an IRDA Licensed Corporate Agent (Composite) with Reg. No. CA0676. We offer customised group health insurance plans that cover your team against hospitalisation expenses for all illnesses, surgeries, critical illnesses, etc. Our policies are created in collaboration with leading health insurance companies such as Care Health Insurance, Kotak Health Insurance, ICICI Lombard, and more.
Vital’s group health plans are designed keeping in mind the needs and constraints of SMEs and growing startups. We offer a full suite of health and wellness benefits, rolled into the first-of-its-kind monthly subscription
plan. Here are 5 reasons we are ‘VITAL’ for your team:
- Fully customizable health and wellness benefits with high insurance cover
- Encourages teams to be healthier and increase productivity
- Easy-to-use dashboard for HRs that saves you hours of unnecessarily pouring over excels
- Dedicated support for claims and administration assistance to your HR as well as each employee
- Monthly wellness sessions with experts (fitness, nutrition, mental health, primary care), regular health benchmarking, on-demand content, and more
Most group health insurance plans come with a set of limits on coverage. Besides, you need to pay for them annually which can become a substantial commitment. The group insurance in our plan is co-created with reputed providers and comes with zero limits on coverage. No room rent limit, no cap on ICU charges, no cap on diseases covered, and more (please note that the room rent and ICU coverage might come with some capping for certain insurance plans). Additionally, our plan comes in an affordable monthly subscription making it really convenient to pay.
We do not specifically cover OPD in the plan. However, our essential health benefits, unlimited doctor consultations, discounts on medicines, and so on, can be accessed virtually from anywhere - whether you are at home or at the hospital.
Depending on the insurance provider, we have close to 12,000 hospitals in our cashless network.
Yes, do offer Rs 50,000 worth of maternity benefits (to up to 2 children) with coverage for newborns and infants. This benefit is, however, optional and is up to you to include in the plan.
No, unfortunately, our maternity coverage is fixed.
We highly recommend that you take our full suite of health and wellness benefits as it will positively impact your team’s health and, also your organisation's ability to attract and retain top talent. However, you can also subscribe to just the group health insurance alone.
Yes, absolutely. You can subscribe to our tailor-made health plan minus the insurance. However, we highly recommend that you subscribe to the complete plan with group insurance and wellness experience to give your team one-stop access to all their needs.
Yes, our plan covers spouses and children.
Yes, our plan covers up to 2 parents.
Unfortunately, you need to choose the type of plan at the time of purchase and cannot change it to add families or parents later.
Yes, but you can offer higher coverage amount only to senior management.
Yes, of course. However, this is available as an exception when you want to offer higher coverage to senior members.
You can offer higher group insurance coverage but only to your members of senior management.
Absolutely! We will help you renew your group insurance policy at the best prices. As a bonus, you will also get all the benefits 9of a Vital group health plan - a monthly subscription plan with all our health and wellness benefits, dedicated administration and claims support, easy employee management, and much more.
We host wellness sessions once or twice a month with top experts in fitness, nutrition, mental health, dance and physical activities, life coaching, and more.
No, the wellness sessions are absolutely free for your team.
Onboarding and Plan Management
It takes 3-4 business days to issue the policies and set up the accounts for your employees.
Yes, you can. Please ensure that you add or remove an employee within 30 days of them joining or quitting. And what’s more, your monthly subscription gets adjusted automatically as per the latest additions and deletions.
No, your employees’ accounts are set up at the same time as your employer dashboard.
Your team can access all the health and wellness benefits right on our intuitive and easy-to-use mobile app. You can click here for a quick look.
Our employer dashboard makes managing your team’s coverage so much easier and saves you the trouble of pouring over hundreds of Excel sheets. Just login to our self-service dashboard with your registered mobile number and
OTP, and you can:
- Add and remove employees
- Manage the plan utilisation and claims
- Make and track all payments
- Issue policies for new employees
Health and Wellness Benefits
We have 10,000+ experienced doctors across specializations available on the platform.
Vital’s Group Care Plan gives you access to unlimited telephonic or video consultations with experienced General Physicians from top hospitals. Besides this, your employees can also contact other specialties from the app
at a nominal price, some of which include:
The full body checkup for employees includes 56 vital tests for monitoring one’s health and includes CBC (27 tests), Lipid Profile (6 tests), Liver Function Test (12 tests), and Kidney Function Test (11 tests).
In case your team is looking for other diagnostic tests, they can simply head to the recommended section (right below their plan details) and purchase the same from the Health Checkup category. We have partnered with leading labs to bring your team the most popular tests at the most affordable prices.
Absolutely! We have tied up with leading partners with a pan-India presence so that your team can access quality healthcare from anywhere in the country.
Your team can book doctor consultations right on the app.
Mental health counselling is a paid add-on. If you have opted in for your team, they will have access to 2 mental health counselling sessions in the year, which can be booked through our app.
A flat 25% discount is available only on prescription medicines when purchased through 1mg.
Claims And Support
Cashless claims are available across 8500+ hospitals across the country. If your team is admitted to any of them, all he or she has to do is show their Vital e-card at the TPA and call their Care Manager. Their Care Manager will help coordinate and process the claim. For more details, click here.
Absolutely! Each of your team members gets a dedicated Care Manager to help with claims, bookings, and any other queries.
Claims can get rejected on one of the following grounds:
- If the coverage is exhausted
- If any false or incorrect health details are reported
- If a particular treatment or surgery is not covered in the policy
- If the policy has expired
To avoid any of your employees’ claims getting rejected, please ensure that:
- Payments are made on time to keep the policy active
- Provide correct health and demographic data of employees and dependents at the time of purchasing your policy
- Read the policy document carefully and ask your team to do the same
Please also ensure that you also share a correct Claims MIS while buying the plan. Your group insurance policy will not be issued if any discrepancy is found.
Your employees can contact their respective Care Managers anytime between 10am and 7pm, Mondays through Saturdays. Care Managers can be contacted by email, SMS, WhatsApp, or chat on the app.
Our monthly subscriptions are designed to keep small businesses and startups in mind, so you can efficiently manage your cash flow. Monthly subscriptions are different from EMIs. Our plans work on a pay-as-you-go model, which means every month your plan is automatically renewed on payment (think of it like a membership or a subscription, like Amazon or Netflix). If you fail to make a payment for any of the months, your plan will become inactive and the policy will lapse.
We offer all digital payment modes - Cards, Netbanking, UPI, etc.
Monthly payment is not mandatory but it is recommended that you opt for it. Monthly payments are easy on the pocket and convenient too (just set it up on auto-debit and forget about it). However, you can also pay for 3 months, 6 months, or annually. These are all self-payments and you will have to manually make these payments. Please note, that although the payment cycle is different here, the plan would still work like a subscription.
Absolutely not! Our flexible monthly payments ensure that you only pay for the latest headcount of the current month. However, please ensure that you notify us of the employees who have left within 2 weeks of them leaving the organization.
If you forget to pay your subscription fee within the due date, you will get a Grace Period of 15 days post that to make a payment. Please note that the plan and benefits become inactive and your team doesn’t have any access during this period. Please ensure that you make your payments on time to avoid your team from losing out on crucial healthcare access (if someone files a claim during the Grace Period, it will not be considered for approval). One of the easiest ways to ensure your payments happen on time is to opt for a monthly subscription and set up auto-debit on it.