Employee health, group term, and accident cover for SMEs — partner panel covers 10-employee teams to 5,000-strong workforces.
Many insurers push expensive base plans then bolt on costly riders. We start from your headcount + claim history and reverse-engineer the optimal sum insured.
We route claims via the partner's TPA but track the SLA. If the TPA stalls, we know which partner has a panel-doctor who can fast-track the case.
Endorsement + maternity-add + family-floater requests handled by us, not your HR team. Free up your HR for actual people work.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Most partners need 10 employees minimum for Group Mediclaim. Group Term Life can start at 5 lives in some plans.
Per-life premium is typically 30-50% lower than individual cover because the insurer pools risk across the group. The trade-off: cover ends when the employee leaves; some plans offer portability to an individual policy.
Yes — most Group Mediclaim plans allow spouse, children and parents as dependants, paid by employee voluntary contribution or fully by employer. We help you set up the deduction structure.
Group premium is fully deductible as a business expense under section 37(1) of the Income Tax Act. GST on group premium is also input-tax-creditable.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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