Personal Insurance

Group Mediclaim Insurance

A group mediclaim policy covers a defined group — typically an employer’s workforce — under a single scheme, usually without the individual medical underwriting a personal policy would require.

Talk to an Advisor View Personal Insurance

Overview

Workforce health cover, without individual underwriting

Cover generally begins without individual medical underwriting, and cashless treatment is typically available at network hospitals. Many schemes also offer the option to extend cover to employees’ dependants.

Minimum group size requirements apply and vary by insurer and scheme type.

Two insurance professionals reviewing a group mediclaim scheme together

Why It Matters

Why group mediclaim matters

Cover that starts without individual underwriting

Employees are typically enrolled as a group, without each person going through separate medical underwriting.

Cashless treatment at network hospitals

Enrolled members can access cashless treatment at listed network hospitals, easing an already stressful moment.

Extendable to dependants

Many schemes let employees add spouse and children, extending the same workforce benefit to their household.

Coverage Highlights

What group mediclaim insurance covers

Hospitalisation Cover

Cover for enrolled members’ hospital admissions.

Cashless Treatment

Cashless treatment at network hospitals.

Dependant Cover Option

Options to extend cover to employees’ dependants.

No Individual Underwriting

Cover that generally begins without individual medical checks.

Who Is It For

Built for employers and their workforce

Employers

Offer a workforce health benefit under a single scheme.

An HR professional reviewing employee records

HR & People Teams

Manage enrolment and renewal for the whole organisation.

Employees & Dependants

Enrolled staff, and their family where the scheme allows it.

How Wise Insurance Helps

Supported from comparison through claims

Our Digital Insurance Journey is how we work every group scheme enquiry, start to finish.

Enquire

Tell us about your workforce size and the cover you want to offer.

Learn & Compare

We explain scheme structures, then compare relevant group plans across insurers.

Apply & Issue

Your advisor handles enrolment paperwork and liaises with the insurer on the scheme.

Renewals & Claims

We stay reachable for renewals, and our Claims Support desk assists enrolled members.

An advisor on a call, representing ongoing support through renewals and claims

Supported from purchase to claim

Common Questions

Frequently asked questions

Typically active employees of the enrolling organisation, as defined by the scheme rules.

Group cover generally ends with employment, unless the scheme includes a continuation or conversion option — confirm with your advisor.

Many schemes allow spouse and children to be added, sometimes at an additional cost borne by the employee or employer.

Group schemes commonly waive individual underwriting, but this varies by insurer and group size.

Get Started

Looking for the right cover for your team?

Talk to an advisor about how Group Mediclaim Insurance fits your workforce — we compare across insurers rather than selling a single product.

Talk to an Advisor Contact Us