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An exclusive daily cash insurance as low as ₹139/yr

Safeguard your staff's health by providing them affordable MsME Employee health insurance for daily insured cash benefits starting at ₹500/day.

Setup plan for your staffs

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Why MsME Employee Insurance?

Stays with you
Remains valid even if you move out of your workplace
Covers Covid-19
Covers the COVID-19 pandemic where costs can run in lakhs
No pre-medical check-up required
You get pre-qualified without undergoing medical tests
Includes all kind of hospitalizations
Hospitalisation due to accident or any kind of illness is covered
Protects your saving from loss of income
Save your hospitalisation expense by getting your bills reimbursed
Individual Insurance for all the staffs at workplace
Cover your staffs(up to 75 years) with separate individual policies
Quick claim settlements
Claim settlements on submitting medical bills and invoices online
Faster policy issuance
Get your cover activated within 7 days
Covers comprehensive hospitalization
Offers extensive coverage and acts as a financial pillow
Stays with you
Remains valid even if you move out of your workplace
Covers Covid-19
Covers all pandemics where expenses can run in lakhs
No pre-medical check-up required
You get pre-qualified without undergoing medical tests
Includes all kind of hospitalization
Tackle life threatening diseases such as cancer and stroke
Protects your saving from loss of income
Save your hospitalisation expense by getting your bills reimbursed
Individual Insurance for all the staffs at workplace
Get insurance for all the staffs of your workplace from 18 to 75 years age
Protects your saving from loss of income
Claim settlements on submitting medical bills and invoices online
Covers comprehensive hospitalization
Offers extensive coverage and acts as a financial pillow in case of medical emergencies
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How it works?

MsME Employee Insurance works for a maximum of 30 claims in a policy year. You can start the claim process upon hospitalisation by submitting the valid medical bills.

Let's say you have the following insurance

CLAIM PROCESS

STEP 1 : Claim intimation.

The following information is to be provided during the claim intimation.
  • Policy holder’s name
  • Claimant’s name and customer ID
  • Hospital details
  • Diagnosis and treatment details
  • Approximate claim amount
  • Date of admission

STEP 2 : Initiating Claim Process.

The following information is to be provided during the claim intimation

The Claim form can be downloaded from here.
The completed claim form has to be sent to us along with the following documents –

  • Duly filled and signed claim form
  • Original receipts/bills and discharge voucher of the hospital/nursing home
  • Original bills of chemists supported by prescriptions
  • Original Investigation reports and payment receipts
  • Other case papers as mentioned in Claims Form
  • Doctor consultation papers and bills
  • Any other document which is required by Us/Our TPA to adjudicate the claim


STEP 3 : Claim Processing and Reimbursement.

If your request for reimbursement of expenses is approved, you will be duly intimatedby us. In case of any information deficiency or further information requirements,you will be communicated instantly to ensure resolution of the same at the earlies.

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Premium payable Rs. 1222
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What’s covered?

Sum insured
Lump sum benefit of 500/day if the insured gets hospitalized due to any of the listed conditions
Waiting period
No waiting period for hospitalization due to accident , injuries or named ailments, and 30 days on all other treatments.
General hospitalisation
Daily cash allowance of ₹500 per day in case of general hospitalization
Intensive Care Unit
Daily cash allowance of ₹1000 per day in case of ICU
Zero copay
Covers 100% of the eligible expenses
Room rent restriction
Single private room for non-ICU. No limit on ICU

FAQ

What does MsME Employee Insurance cover?

Overnight hospitalisation due to accident, communicable diseases like dengue, malaria, etc or hospitalisation due to any other ailments are covered under the policy with the exception of certain ‘permanent exclusions’ as described in T&C document.

What are the advantages of buying MsME Employee Insurance?
  • Your MsME Employee Insurance remains with you even after you leave your company.

  • Protects your saving from loss of income.

  • Additionally, buying a MsME Employee Insurance cover, you can use it as a blanket cover over your medical expenses

Who can buy the MsME Employee Insurance cover?

Members or staffs of any recognised business having a valid ID proof of India are eligible to avail this insurance

Individuals with pre-existing diseases are not eligible for the cover.

Does the MsME Employee Insurance cover have age limits?

Yes, the plan is available to individuals in the age range of 18 to 75 years.

Can I add a MsME Employee Insurance to avail of maternity benefits?

No, MsME Employee Insurance does not cover maternity.

Does MsME Employee Insurance cover AYUSH?

Yes, AYUSH treatments are covered by MsME Employee Insurance.

Can I buy a MsME Employee Insurance for my parents?

Yes, parents (up to 75 years) can be covered in separate individual policies.

Why should I buy a MsME Employee Insurance for my parents?

As your parents get older, there is the possibility of rising healthcare costs. There is always a chance that your existing health insurance cover may not meet their healthcare expenses. A MsME Employee Insurance can help 
 you protect your parent's health in case of any hospitalisation(which they may have purchased in a personal capacity or may have obtained through your insurance plan) if they don't have any pre-existing conditions.

What is a deductible?

Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) during the claim reimbursement process.

Is there a waiting period?

A 30-day waiting period from the policy start date is applicable, except for injuries and accidents. 12 month wait period for pre-existing diseases