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Employee
Benefits
Insurance

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Any benefits an organization offers to its employees outside of the agreed-upon wages (both mandatory and voluntary) are considered employee benefits.

Group health insurance, Group personal accident cover, Group term life insurance, etc., are some commonly offered benefits to employees.
 

Employee benefits Insurance Coverage

  • In-patient hospitalization expenses 

  • Daycare treatment expenses 

  • Room rent & nursing charges 

  • Accidental death / Permanent partial disability / Permanent total disability 

  • Life Cover throughout the policy term

Most common exclusions

  • Non-allopathic treatments like homeopathy, Ayurveda, etc. 

  • Alignment or complications arising due to alcohol or drug abuse. 

  • Self-inflicted injuries / Suicide 

  • Injuries or Death due to war/war-like activities

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