For companies, schools, hospitals and institutions across Assam and the North East: employee health cover designed by a licensed broker — quoted across insurers, negotiated on terms, and serviced through a dedicated claims desk.
Hospitalisation cover for employees — extendable to spouse, children and parents. Typically covers existing illnesses from day one and can include maternity, making it far stronger than retail policies for your team.
Lump-sum payout for accidental death or disability, on duty or off. Inexpensive per employee and often the difference between hardship and stability for a worker's family.
Life cover for every employee while they are on your rolls — a benefit employees value deeply and a strong retention signal for employers competing for talent.
Group insurance is a negotiated, renewed, serviced contract — not an off-the-shelf purchase. A licensed broker runs that negotiation for you every year, with claims data on the table.
Private companies and startups · hospitals and clinics · schools and colleges · hotels · NGOs and institutions · distributors and trading houses across Guwahati, Assam and the North East.
Premiums paid for employee group covers are generally treated as business expenditure — please confirm treatment with your tax professional.
A simple list with dates of birth is enough to start.
Benefit grid proposed, quotes obtained across insurers, options compared side by side.
Policy issued, employee cards generated, benefits communicated to your team.
Endorsements, claims desk and renewal analysis from our Guwahati office.
Smaller than most owners think. Many insurers write group mediclaim from as few as 7 employees, depending on the insurer and plan. Startups and family businesses in Guwahati routinely qualify.
In most group mediclaim policies, yes — pre-existing disease waiting periods are typically waived for group covers, which is a major advantage over asking employees to buy individual policies. Exact terms depend on the policy negotiated.
Group policies can include maternity benefits without the long waiting periods common in retail plans — it is a design choice that affects premium. We model it both ways so you can decide with numbers.
Yes — group covers can extend to spouse, children and parents, either employer-funded or on a voluntary employee-paid basis. Parental cover is one of the most valued benefits in North East India, where joint families are the norm.
Share your employee count on WhatsApp and our B2B desk will set up a short call to understand your needs.
