Health Insurance

Group health insurance is one of the fastest-growing commercial insurance lines in India, driven by rising healthcare costs, increased employee awareness, and regulatory encouragement. Corporate group health policies cover hospitalisation expenses for employees and their families, typically including room rent, ICU charges, surgical costs, pre- and post-hospitalisation expenses, and day-care procedures. With the Indian healthcare market projected to reach USD 372 billion by 2027, employers increasingly use group health as a talent retention tool. The IRDAI mandates community rating for group policies, and many insurers offer customisable plans with wellness programmes, OPD covers, and maternity benefits.