Coronavirus insurance
for your team.

Buy a comprehensive covid insurance policy for your team and their family members. Plans starting from Rs 499 per month/employee.

coronavirus insurance
Table of contents
group covid insurance
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What is group covid insurance?

Covid group insurance refers to a policy that provides coverage to your employees against coronavirus. The treatment for coronavirus, its variants, and any medical illness due to the same is covered. Medical expenses like hospitalization charges, tests and miscellaneous bills, are included in Covid Insurance.

Generally, hospitalization due to covid-19 is covered if you have an existing group health insurance. However, only hospitalization is covered and not expenses incurred during home quarantine or tests. So you can buy covid insurance as an add-on to your current group health insurance or as a separate policy.

Why buy a group covid insurance plan?

Less stress in workspace

Less stress in workspace

With employees made to return to office, covid insurance helps with stress on getting exposed to the virus.

Miscellaneous Expenses

Miscellaneous expenses

The cost of consumable expenses like gloves and masks is included in the covid insurance policy

Tax Saving

Tax saving

The premium paid towards covid insurance are liable to be exempted from tax.

Medical emergencies

Medical emergencies

Coronavirus insurance policy covers hospitalization of employees due to covid-19.

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Covid insurance companies in India

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What should your covid insurance cover?

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Hospital charges

In-patient hospital charges should be covered.

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Room Rent

Provide 1% and 2% or 2% and 4% room and ICU rent respectively in covid insurance.

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Doctor visits / Consultations

Doctor consultations of covid patients should be covered in the covid insurance policy.

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Zero waiting period

Group covid insurance should start from Day 1

coronavirus insurance

Why should you buy covid insurance from Pazcare?

Affordable pricing

Affordable pricing

We offer Covid insurance policy at a nominal rate. It can be easily bought as an rider to your group health insurance.
Customer Service

Customer service

Customer service, including claim support that is available 24/7 to help you and your team at all times.
Pazcare dashboard advantage

Pazcare dashboard advantage

Manage your policy, add/delete employees, and access employee and family details without hassles at one place using the employer experience dashboard.
admin dashboard

Admin dashboard

Employers can use the Pazcare admin dashboard to make endorsements, manage and track their policy.
Mobile app for employees

Mobile app for employees

Easy access to policy details, inclusion and exclusions using the mobile application.
HRMS integration

HRMS integration

Pazcare dashboard can be easily integrated with your HRMS to automate endorsements.

Prioritise Employee Health

Your employees’ health should be of utmost importance to you.

Increase Employee Productivity

Enhanced healthcare benefits help keep your employees focused at work.

Give more than they ask

Shower your employees with abundance of care and affection
by offering a comprehensive
group plan.

Things to know before buying covid insurance policy

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Claims process

It is important to understand the claim process and opt for one that requires less intervention from HRs and admins. It should also enable employees to avail and claim insurance easily.
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Treatments included

We offer absolute transparency in the inclusions and exclusions of your policy. As your insurance consultant, we also help you purchase the best policy in the market.
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Home quarantine

All the expenses caused due to covid-19 even in home quarantine or domiciliary hospitalization can be covered in a group covid policy.
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How to claim your covid insurance?

For Cashless Claims

For cashless claims

  • Get to the nearest network hospital
  • Show your health insurance ID card, company ID card and proof of identity.
  • Your insurer will settle your medical bill with the hospital.
Reimbursement claim

Reimbursement claim

  • Collect all the original bills and supporting documents required.
  • Contact us at support@pazcare.com
  • We will guide you through the process.

Documents required for covid insurance policy

  • Name of the employee and employee ID
  • Personal details like name, age, gender, marital status
  • List of the dependents
  • Details on the add-ons and sum insured.

Who should buy covid health insurance?

YOU!
HR leaders

HR leaders

For a 10/10 employee experience and satisfaction
Founder/CXO

Founders/CXO

For staying on top of your employer branding
Finance controllers

Finance controllers

Healthcare benefits that are “value for money”
Insure with Pazcare →

Frequently asked questions

Can covid insurance be added on an existing insurance policy?

Yes, on the Pazcare dashboard you can easily add/delete an add-on benefit.

How to buy covid insurance?

You can check if it is already included in your Group Health Insurance, or you can add it as an add-on benefit to your existing insurance policy.

Who all can get covid insurance?

Any individual can buy covid insurance for himself. He or she can add their spouse, children and parents as well.

Can I get cashless treatment in any hospital?

Cashless payment methods are available in our chain of network hospitals.

What is not covered under covid insurance?

Unfortunately, quarantine centre cost, treatment outside India, vaccines unless prescribed by a medical practitioner are not included in your covid insurance.

Buy a comprehensive covid insurance policy for your team and their family members. Plans starting from Rs 499 per month/employee.

What’s covered in your Group Covid Policy ?

Covid has wrecked havoc among the working class and an insurance for it is a must have. Here a few things that are included in your group covid policy.

Hospitalisation Expenses

Coverage upto 5L for
in-paitent

Zero Waiting Period

Coverage starts for day 1

Home Care Treatments

Can be claimed in case of positive diagnosis.

Room rent and ICU

No sub-limit on ICU and Room rent

Cashless Treatments

Claim cashless treatment at network hospitals.

Family coverage

Policy shall cover spouse, children and parents.

PPE Kits

Covered with some sub limit.

Pre and Post Hospitalisation

Expenses incurred 15 days before and 30 days after are covered.

Expenses that are not related to Covid diagnosis and treatment.

Vaccines unless prescribed by a medical practitioner.

Treatments outside India

Quarantine centre cost

What’s not covered in your Group Covid Policy ?

A few things unfortunately can never be covered in your Covid policy. Listing them down for better transparency.

The most loved employee healthcare benefits in 2021

Is the quarantine period covered?
Greetings, Exalted One. Allow me to introduce myself. I am Luke Skywalker, Jedi Knight and friend to Captain Solo. I know that you are powerful, mighty Jabba, and that your anger with Solo must be equally powerful. I seek an audience with Your Greatness to bargain for Solo's life. With your wisdom, I'm sure that we can work out an arrangement which will be mutually beneficial and enable us to avoid any unpleasant confrontation.
Will my team members be eligible for COVID-19 insurance if they are not hospitalized?
Greetings, Exalted One. Allow me to introduce myself. I am Luke Skywalker, Jedi Knight and friend to Captain Solo. I know that you are powerful, mighty Jabba, and that your anger with Solo must be equally powerful. I seek an audience with Your Greatness to bargain for Solo's life. With your wisdom, I'm sure that we can work out an arrangement which will be mutually beneficial and enable us to avoid any unpleasant confrontation.
Is there a waiting period to file for COVID-19 claims?
Greetings, Exalted One. Allow me to introduce myself. I am Luke Skywalker, Jedi Knight and friend to Captain Solo. I know that you are powerful, mighty Jabba, and that your anger with Solo must be equally powerful. I seek an audience with Your Greatness to bargain for Solo's life. With your wisdom, I'm sure that we can work out an arrangement which will be mutually beneficial and enable us to avoid any unpleasant confrontation.