Group Mediclaim Policy & Insurance Mart’s Role
We believe a healthy workforce is the foundation of a strong, productive organisation. That’s why Insurance Mart specialises in Group Mediclaim Policies—custom-designed health insurance plans that protect employees and their families, while helping employers control costs and manage claims seamlessly.
Employee Benefits
Cashless Hospitalisation – Get treatment at network hospitals without making upfront payments.
- Reimbursement Claims – Quick settlement for treatment at non-network hospitals.
- Family Cover Options – Extend benefits to spouse, children, and parents.
- No Pre-Policy Medicals – Hassle-free enrolment.
- Pre-existing Disease Cover from Day One – No waiting period.
- Maternity Cover – Inclusive support for new mothers.
- New Born Baby Cover from Day One – Protection from the very first day.
- Wellness Programs & Annual Health Check-ups – Early detection for healthier lives.
- Financial Security – Peace of mind during medical emergencies.
Employer Benefits
- Optimised Cost per Employee – Best coverage at minimum premium.
- Monthly Claim Reports – Spot negative claim patterns early and act quickly.
- Claim Control Strategy – Reduce avoidable IPD (In-Patient Department) admissions by encouraging OPD (Out-Patient Department) treatment when possible.
- Premium Control – Keep claim ratios healthy to ensure stable premiums year after year.
Why Choose Insurance Mart?
At the heart of our service is a dedicated claims support team—always ready to step in when your employees need help. We guide them through every stage of the claims process, ensuring they receive the right assistance quickly, clearly, and without unnecessary stress.
We understand that health insurance claims can be complex and confusing. That’s why our team prioritizes clear communication, prompt resolutions, and compassionate handling of every case. This not only helps employees feel supported and confident but also reduces downtime and distractions at work.
Our mission is straightforward yet powerful:
Maximize employee benefits – ensuring your workforce gets the full value and coverage they’re entitled to.
Keep costs predictable for employers – giving organizations better control over their budgets without compromising the quality of benefits offered.
Documents Required at the Time of Hospitalisation
For Cashless Claims
- Employee health card / policy details.
- Doctor’s admission advice.
- Valid ID proof.
For Reimbursement Claims
- Original hospital bills & payment receipts.
- Detailed discharge summary.
- All prescriptions & test reports.
- Any additional documents requested by the insurer/TPA
Common Problems Faced
Claims partially paid or rejected due to hidden exclusions
Delays in claim settlement due to incomplete documents
Confusion about what’s covered (room rent limits, pre-existing diseases, maternity benefits, etc.)
Lack of clarity in adding/removing members during the policy term
How Insurance Mart Advisors Resolve These Issues – In Depth
At Insurance Mart, we go beyond selling policies—we act as your long-term insurance partner, ensuring both employees and employers get the best value with minimal hassle. Our dedicated claims support team provides personalized assistance, fast processing, and clear communication, guiding employees step-by-step to reduce stress and improve trust in the benefits program. We optimize policies to maximize employee coverage without overlaps, educate staff on effective usage, and promote preventive care to reduce future claims. For employers, we use data-driven analysis, custom plan structuring, and strong negotiation skills to keep costs predictable while maintaining quality coverage. We also ensure full compliance with IRDAI and labor laws, assist in audits, and implement fraud prevention measures to reduce legal and financial risks. With annual reviews, continuous year-round support, and feedback-driven improvements, we create a stable, transparent, and value-driven benefits environment where employees feel supported and employers stay in control of costs.
