cs@itus.co.in

Employee Benefits Insurance

Comprehensive health and accident coverage tailored for your team’s protection, well-being, and long-term security.

Protect Your Workforce, Strengthen Your Business

What is Employee Benefits Insurance?

Employee Benefits Insurance is a bundled coverage solution offered by employers to protect their workforce against medical and accidental risks. At Itus, we combine Group Mediclaim and Group Personal Accident Insurance to create an all-in-one benefits package for businesses of all sizes. These plans not only enhance employee satisfaction but also demonstrate your commitment to their health, safety, and financial stability.

Flexible, Hassle-Free, and Employer-Centric

Why Buy Employee Benefits Insurance Online?

Quick Onboarding & Paperless Setup

Get your group policy issued within hours with minimal documentation and full digital onboarding.

Tailored Coverage Options

Customize the policy based on your employee strength, industry, and benefit structure—no one-size-fits-all.

Seamless Claims & Renewals

Simplified claims tracking, digital claim intimation, and automated renewal notifications to ensure continuity.

Secure Your People, Empower Your Growth

Why Employee Benefits Insurance is Essential for Organizations

01

Boosts Employee Retention

Comprehensive coverage makes your company a preferred employer, reducing attrition.

02

Enhances Workplace Morale

Knowing they’re covered boosts employee motivation, performance, and peace of mind.

03

Financial Protection for Emergencies

Safeguards employees and their families during medical or accidental emergencies.

04

Covers Pre-Existing Conditions

Many plans offer coverage for pre-existing diseases after a short waiting period, increasing utility.

05

Compliance with Labour Regulations

Offering group policies helps fulfil statutory compliance in many sectors.

06

Affordable Group Premiums

Lower per-member premiums compared to individual policies—save cost while providing value.

Tailored Benefits for Teams of Every Size

Types of Employee Benefit Insurance Plans

Group Mediclaim Policy (GMC)

Covers hospitalization expenses for employees and their families, including room rent, ICU, surgery, and maternity.

Group Personal Accident Policy (GPA)

Provides lump sum pay-outs in case of death, disability, or accidental injuries sustained by employees.

Top-Up Health Plans

Offers extended coverage beyond base policies to manage high medical costs efficiently.

Critical Illness Add-On

Covers specific illnesses such as cancer or cardiac conditions with a fixed pay-out upon diagnosis.

Maternity & New-born Benefits

Customizable add-ons for companies that want to support expanding families.

Outpatient & Wellness Add-ons

Covers diagnostics, consultation, mental wellness, and annual health check-ups.

Smart Solutions with Human Support

Why Partner with Itus for Employee Benefits?

Custom Plans for Any Team Size

From start-ups to large enterprises, we create tailored benefit packages that suit your team and budget.

Easy Administration Dashboard

A unified portal to manage policy issuance, additions, deletions, endorsements, and claims tracking.

Dedicated Support Team

IRDAI-Certified Advisory

Our expert guidance ensures compliance, transparency, and alignment with your goals.

Partnerships with Top Insurers

Access multiple insurers and compare quotes to find the best value-added policy.

Employee Awareness Drives

We help educate employees about their benefits with custom webinars and onboarding materials.

Quick, Compliant & Digital from Day One

Steps to Buy Employee Benefits Insurance Online

1. Share Your Team Details

Provide employee count, age distribution, and required coverage preferences.

2. Compare & Customize Plans

Get multiple quotes, tweak features, and select a plan that fits your budget and goals.

3. Confirm & Activate Policy

Make payment, upload employee details, and receive instant policy documents digitally.

We Make Claims Easy for You and Your Team

How to Claim Group Mediclaim or GPA Insurance

01

Intimate the Claim Early

Report hospital admission or incident within the stipulated time via email, portal, or toll-free number.

02

Submit Required Documents

Upload discharge summary, bills, FIR (for accident), ID proof, and claim form digitally.

03

Track & Receive Settlement

Track claim status in real time. Once verified, the amount is credited to the employee or hospital.

Have Questions? We've Got Answers.

Employee Benefits Insurance – FAQs

It is a health insurance policy offered by employers that covers hospitalization expenses for employees and optionally their family members. It usually includes pre- and post-hospitalization costs, day care procedures, and maternity cover.

GPA provides financial compensation to employees or their nominees in case of accidental death, permanent disability, or partial disability. It helps ensure financial stability for the family after a mishap.

Yes, mid-term endorsements are allowed. New joinees can be added by updating the insurer’s database and paying the pro-rated premium.

Yes, group benefit policies help employers meet statutory requirements related to employee safety and welfare under various labour regulations.

Yes. Employers can usually claim group insurance premiums as business expenses, which may reduce their taxable income.

Premium depends on team size, age distribution, sum insured, industry risk, and selected coverage features such as maternity or wellness add-ons.

Some benefits like maternity or pre-existing conditions may have a short waiting period, while basic hospitalization and accidental covers usually begin from Day 1.

We offer a dedicated relationship manager, claims guidance, employee awareness programs, and help with endorsements and renewals.

Some insurers allow porting of group coverage to retail health plans. We assist in facilitating this if your chosen insurer supports portability.

Yes, our platform allows end-to-end digital claims submission, tracking, and support to reduce turnaround time and improve convenience.

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