Group Health Insurance

The Risk

  • Quality medical costs are becoming increasingly expensive and could eat up our savings.
  • Other expenses like travel, lodging and loss of income account for as much as 35% of the overall cost of treatment.

The Solution

  • Futurisk organizes Group Health Insurance schemes that provide health insurance coverage for employees/ members and their dependants for expenses related to hospitalization due to illness, disease or injury.
  • The standard health policy that reimburses you the actual hospitalization cost of treatment of any disease, offered by non- life insurers / standalone health insurers are popularly called 'Mediclaim' policies.

The Cover

  • Expenses on Hospitalization for a minimum period of 24 hours
  • Room and Boarding Expenses, Intensive Care Unit charges, Doctors fees, Nursing Fees, Surgical Fees, Operation Theatre charges, Anaesthesia and their administration, Drugs and Medicines consumed on the premises, Miscellaneous Services (such as laboratory, x-ray, diagnostic tests), Dressing, ordinary splints and plaster casts shall be reimbursed provided they are incurred in India within the policy period and up to the level of cover that the member is entitled to.
  • Dependents of Employees can also be covered.
  • There can also be a single Family Floater Limit rather than an individual limit per member.
  • Other benefits like pre-existing diseases, maternity cover, and baby cover from day one can be offered under a Group Scheme.

Futurisk Advantage

  • Single point Contact
  • Service Level Agreement
  • Help Desk
  • Periodic Review Meetings
  • Fortnightly distribution of cashless cards to new members and Collection of Claim Folders for non cashless claims
  • Support in quick settlement of claims
  • Availability of 24 hours helpline for hassle-free cashless hospitalization through the TPA
  • Monthly premium Accounting Statement
  • Monthly Claim Status MIS
  • Corporate Wellness Programme