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Know your policy
Everything you need to know
What is GHI?
Group health insurance is a comprehensive health coverage solution designed for your entire team, all under one unified plan.
It enables employers to offer medical protection not just to employees, but also to their families at a significantly reduced cost. It provides access to quality care, supports well-being, and helps reduce out-of-pocket medical expenses.
Know your policy
Understand your insurance before buying
What's Covered
Hospitalization & Surgeries
Your super top-up covers everything included in your base policy
ICU & Room Rent
Covered as part of your comprehensive top-up plan
Pre And Post-Hospitalization
Medical costs before and after hospitalization included
Daycare Procedures
Same-day treatments covered under your policy
Emergency Treatments
Subject to deductible and policy terms
Why Your Team Needs It
Rising Medical Costs
Covers High-Value Treatments Beyond Base Limits
Cost-Effective
Large Coverage At A Small Top-Up Cost
Peace Of Mind
Financial Protection During Major Health Events
Better Benefits
Adds Value To Your Existing Group Health Plan
GHI: Your Team's Health, Simplified
Two Ways to Claim
Cashless: Available at network hospitals. Requires pre-auth form and ID. Reimbursement: Pay first, claim later with original bills (online portal, scanned copies).
Claim Timelines
Inform insurer/TPA within 24–72 hours of hospitalization. Submit reimbursement docs within 10–15 days after discharge.
Must-Have Documents
Health card, government ID, hospital bills, discharge summary, prescriptions, tests.
Avoid Rejection By
Keeping original documents, using network hospitals, and knowing policy limits (e.g., room rent caps, exclusions).
How It Works
Base Coverage vs Smart Top-Up
Base Coverage of ₹4 Lakhs extended to ₹40 Lakhs with Smart Top-Up — a 10X increase in your total coverage.
Suppose
Amit has a regular health insurance of ₹4 Lakhs. He also buys a Smart Top-Up policy of ₹40 Lakhs with a deductible of ₹4 Lakhs.
First Medical Claim – ₹3 Lakhs
Covered by base health insurance. ₹1L left in base policy. Smart Top-Up not triggered yet.
Second Health Emergency – ₹6 Lakhs
₹1L left in base policy. First ₹1 Lakhs meets deductible (paid out of previous policy). Remaining ₹5 Lakhs covered by Smart Top-Up. Smart Top-Up now active for future claims, ₹35L balance remaining.
Third Admission – ₹10 Lakhs
Entire ₹10 Lakhs paid by Smart Top-Up. No need to pay deductible again in the same year. ₹25L Top-Up balance remaining.
Faq's
It covers all insured family members under a single sum insured, which is the maximum claim limit for all members combined.
These cover medical costs 30 days before and 60 days after hospitalization, if related to the same condition.
Any illness, injury, or symptom you had, were diagnosed with, or treated for before buying the first policy.
No, it's available only at network hospitals.
For planned treatment, visit parkmediclaim.co.in → "Hospital Search." For emergencies, ask the hospital's TPA desk.
- Doctor's home visits, attendant/nursing charges (except domiciliary care).
- Irrelevant tests/treatments, private nursing, referral fees, outstation doctor fees.
- Genetic disorders, stem cell treatments.
- External/durable medical equipment (e.g., CPAD, walkers, braces, glucometers, etc.).
- Non-medical/personal comfort items (e.g., TV, phone, toiletries, cosmetics, baby food).
- Obesity treatments or weight control programs.
- Injuries from hazardous activities (e.g., scuba diving, racing, climbing).
- Treatment at convalescent homes, health resorts, or similar centers.