What are small business group health insurance requirements?
For group medical insurance for small business, the eligibility criteria is:
- A minimum number of 7 members
- Official business registration and GST certificate
To know more about best employer group insurance plans for small businesses, read here: Employer Group Health Insurance Requirements
Where can you get a copy of your health insurance card?
You can find a copy of your health insurance card on the Loop app. Once you log in, you need to click on the insurance tab and then view the card.
What is meant by Pre-hospitalisation and Post-hospitalisation expenses?
Medical expenses incurred during the 30 days prior to hospitalization and 60 days after hospitalization, and which are related to the illness/accident for which hospitalization takes place, are known as Pre-hospitalisation expenses. These are reimbursable by the insurer.
Are your services available all across India?
We would love to! And our teams are working to expand. As of now, we are offering our services in Pune, Mumbai, Bangalore, Chennai, Noida and Delhi. We’ll let you know as we bring our services to other cities!
Are all the services free?
There are unlimited, free doctor consultations and chats with the medical advisor. The lab tests are at discounted prices for our members, with a concierge booking service from our team.
I’m not that comfortable with using technology, can I still sign up?
If you use Whatsapp, this programme will be very comfortable for you. We want to make this as accessible as possible. If you can type on whatsapp and send voice notes, you will have no issues.
The weekly calls take place on Google Meet. You can choose to download the app here or simply click on the link you will get in your email and SMS.
I’m not that comfortable with using technology, can I still sign up?
Definitely! If you are comfortable using Whatsapp, this programme will be very easy for you. Our experts and coaches will work with you to ensure your diabetes is under control.
Can I view my claims history in the Loop app?
The Loop app does not provide information on claims.
How can you chat with a Medical Advisor?
The MA (medical advisor) chat is accessible via the Loop app. Log in to the app, and on the homepage, tap on your medical advisor’s name and you can chat with them 24x7. You will receive notifications for their replies. Once done, they will close the chat from their end.
How to join Loop’s HR community?
Can you claim from more than 2 insurance policies?
As an individual, you can have more than one insurance policy. It’s completely legal. You can use more than one policy, as and when you need. This also means you can claim from either one or both policies, albeit a few conditions. What you need to remember is - you cannot raise the same claim with two different insurers and you cannot claim more than the sum assured. However, if the expenses you incur exceed the sum insured, you can use the second policy to pay the remainder amount.
What happens if you’re admitted for less than 24 hrs?
Daycare procedures require you to be admitted in hospital for under 24 hours. Typically, if you’re admitted for under 24 hours and the procedure you’re undergoing is not covered under the daycare list, then it’s not eligible for a claim. In order to make a claim, the minimum period for hospitalization is 24 hours or the procedure should fall under the daycare list.
How many Loop Engage events are hosted a month?
Twice a month. Between 3 PM to 4 PM or 5 PM to 6 PM.
What are network hospitals?
These are hospitals with which the TPA has a tie up for cashless hospitalization. The updated list of hospitals can be found on the insurance website. Please note that listed hospitals can be unlisted during the policy period due to various reasons.
Are group health insurance premiums tax deductible?
For employers, the premium paid to provide a group insurance policy for employees in India can be deemed as a business expense. According to the Indian Income Tax Act, 1961, this expense is eligible for tax benefits.
Are room taxes payable?
Room taxes (service taxes only, and not luxury taxes or surcharges) are ordinarily not payable.
Caution: Some hospitals do not inform the patient about the applicability of luxury taxes and surcharges until the time of discharge. Please ask your hospital about any hidden charges prior to the admission to avoid unplanned expenses.
Does a Loop employee medical insurance policy cover treatment for COVID-19?
Yes, Loop offers comprehensive and cheap group health insurance plans at affordable costs, including COVID-19 cover.
How do group health insurance claims work?
There are two types of claims - cashless claims and reimbursement claims. Both work differently.
- Cashless claims - In the cashless claims option, the insurer directly makes payment to the network hospital with you paying a minimal amount. For this to be possible, you must visit a network hospital that’s a part of your provider’s network hospital. Your group health plan must cover the condition you or your family member is diagnosed with.
- Reimbursement claims - In this process, you can visit any hospital of your choice, undergo treatment, and make the payment as usual. After your discharge, you can contact your insurer and file for a reimbursement claim along with the necessary documents. Upon approval, the amount will be transferred to your account.
Is no-claim bonus available with group health insurance?
No, group policies don’t come with a no-claim bonus benefit.
When is the claim processing time?
The standard reimbursement claim processing time is 3 to 4 working weeks.
What are the clinical services Loop offers members?
All of Loop’s members can access the following services:
- 24x7 chat support with a medical advisor about any health concerns or queries
- Unlimited free online consultations with our doctors
- Get assistance to book lab tests at home
How can our team members self-onboard?
We will send every employee an email about the details of their policy and card, which they can access from the Loop app. To self-onboard, you need to download the Loop app.
How can you resolve my medical queries in the Loop App?
If you have any medical queries, your first point of contact on the Loop app is your dedicated Medical Advisor (MA). They're available 24X7 to help with all your needs. Once you login, you can instantly chat with them and find a solution.
What are the kinds of wellness events?
The wellness events Loop conducts ranges from mental health, physical fitness, nutrition, social well-being, on-site drives, and more. We even customize sessions according to your company’s needs.
What are the advantages for employers who provide health insurance for their employees?
Both employers and employees benefit from group health insurance. For employees, here are the advantages:
- Healthy, happy, and more productive employees
- Easy on the wallet and value for money
- Extended coverage for family
- Efficient claims process
- Covers pre-existing diseases without a waiting period
- Added health and wellness benefits
- Continuous support
- Virtual primary care
How can you get in touch with the wellness team?
You can reach the wellness team by emailing them at email@example.com
What is wellness at Loop Health?
Wellness at Loop Health engages employees. The sessions target the ‘need of the hour’ issues to enhance individual well-being, and help members achieve and sustain a healthier, happier life.
How long will the Diabetes Care program last?
12 weeks! We recommend following through to see real results. You will definitely see a change in your diabetes levels with this plan.
What is a pre-existing condition?
A pre-existing condition is a medical condition that occurred before the mediclaim insurance program became effective. Most policies exclude pre-existing diseases cover but your mediclaim Insurance Policy provides this coverage.
Is Loop Engage chargeable?
Yes. If you’re interested in boosting engagement, click on the sign me up button, leave your contact details in the form provided therein and we will get in touch with you.
When should you buy group health insurance for your company?
Simply put, the best time to purchase group health insurance for employees is right away. Besides, the government has made it a mandate for all employers to offer some sort of health insurance or coverage to their employees. Before it’s too late, start browsing through our plans and find affordable and well-rounded group health insurance plans.
Where can you reach Loop Engage for any further queries?
You can reach us at firstname.lastname@example.org
Who is eligible for the Diabetes Care program?
Anyone who has Type 2 Diabetes or Pre-diabetes is eligible. We cater to people from all age groups.
What do you mean by non-medical or payable expenses?
To restrict the misuse of health insurance, the IRDA (Insurance Regulatory and Development Authority) has strict claim settlement norms. They’ve divided a few expenses you might meet with during hospitalization into non-medical expenses and non-payable expenses. Some of these include food, mineral water, laundry charges, thermometer, attendant charges, braces/belts, etc. Such costs are NOT compensated for during the claims settlement process.
What are the claim submission deadlines?
Submiting pre-hospitalization and hospitalization claims within 15 days from the date of discharge. Submit post-hospitalisation bills within 7 days from the end of the post-hospitalization period (60 days + 30 days), but not more than 30 days from the end of this period (60 days + 30 days) to avoid delays in submission and subsequent delays in settlement of your claim. Do factor the couriering time. If you have any problem due to which your claim submission will be delayed.
How can you order medicines through the Loop app?
The way to order medicines through the Loop app is to get in touch with your medical advisor. They will provide proper guidance.
What is the maximum number of claims allowed under group health insurance?
There’s no limit on the number of group health insurance claims you can register during your policy’s term. You can make claims until you exhaust your total sum insured.
What are the features of the Loop app?
By downloading the Loop app, you can get access to the following:
- Book doctor consultations
- Book lab tests
- View your eCards
- Get 24X7 claims support
What types of doctors are available on the Loop app?
We have empathetic, experienced doctors in the following specialties:
- General physician
- Women’s wellness
- Mental health
How many wellness events does Loop host in a month?
Typically, we conduct wellness sessions twice a month, every alternate Friday.
What is the maternity benefit in an employee group health insurance policy?
Maternity benefit is coverage as a part of employer group health insurance policies for pregnant women. This benefit covers the cost of normal delivery and a 14-day post-delivery checkup.
Is Sugar Care completely free?
Sounds too good to be true, but it is absolutely free for 1 month!
What is the difference between group and individual health coverage?
A few primary and notable differentiators between individual and group health insurance are:
- Lower cost of premiums
- Waived off waiting periods
- Group medical coverage for pre-existing diseases
- Maternity cover
- Free and unlimited primary health care
What is the procedure for removing a team member?
You can easily delete team members from the HR dashboard.
What are the benefits of wellness events?
Wellness events give you access to a wide range of sessions from experienced professionals, who through live sessions provide tips, tricks, and advice on how to live a healthy and balanced lifestyle.
How is Sugar Care structured?
After signing up, you first consult with the Doctor and then the Coach.
The Doctor passes her diagnosis, analysis and plan of action to the Coach.
After this, you have your 1st Coach consult. She discusses your own targets (controlling blood sugar, weight loss, etc.) and optimizes them with the doctor’s recommendations.
Can I buy this for a friend or family member?
Of course! You can buy this plan for yourself or for your loved ones. Just make sure you input the correct patient information during purchase.
Does group health insurance cover pre-existing conditions?
Unlike individual health plans, group health insurance policies with Loop include health insurance plans for pre-existing conditions with no waiting period in India.
I have other conditions along with Diabetes (eg. Hypertension, kidney or liver issues, etc). Is this programme for me?
Yes. Our care team is trained to treat Diabetes and all of its complications or comorbidities. Both doctors and coaches will take a detailed history from you before creating your plan.
What expenses are payable as a part of pre-hospitalization and post-hospitalization expenses?
Consultation charges, prescribed medicines, prescribed investigations, rehabilitation therapy related to the hospitalization.
Is group healthcare policy cheaper than individual health plans?
Group health insurance is definitely a cheaper option for businesses in comparison with individual health insurance. Group mediclaim for employees comes with lower premiums and a host of added benefits that ensure your team is healthy and happy.
What are the questions you will ask our team members during the onboarding process?
During the onboarding process, your team can expect simple questions such as employee details including, name, enrollment members, mobile numbers, and email IDs.
What is the procedure for adding a team member?
You can easily enroll your team members from the HR dashboard.
How can you book a lab test?
Login to the Loop app and select “Book Lab Tests”. Then choose “Request a call from the MA (medical advisor).” Over the call, they will set up the time slot for lab sample collection and help with payment too.
How do you use Clove dental Agarwal eye clinic services using the Loop app?
To use Clove dental Agarwal eye clinic services, you must first contact your medical advisor, who will then guide you about the process.
What do you mean by pre and post hospitalization expenses?
Pre-hospitalization expenses are medical costs the insured incurs before hospitalization like X-rays, urine tests, blood tests, etc.
Post-hospitalization are the expenses after discharge like consultation fees, the cost of medicines, diagnostic charges, etc.
Both these costs are covered under a group health insurance plan.
What is Ayush treatment?
The medical expenses incurred for in-patient treatment taken under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy will be covered in the policy up to 5 Cases in registered hospitals to get coverage under AYUSH treatment, it is necessary that the treatment must take place in a government hospital accredited by Quality Council of India or National Accreditation Board.
What are achievable weekly plans?
Your coach and you have 12 weekly video-call meetings. In each video call, they will set a weekly plan which would include mini targets you have to achieve. These would be extremely specific targets according to your motivation level, and what you can control in your daily life. Your coach will proactively message you on WhatsApp to check up on you every alternative day, to motivate you. You can also message your coach for any questions-big or small.
Can husband and wife have group health insurance?
If both the husband and wife own a family business and are looking for a group health insurance plan, the wife or husband cannot usually count as the lone employee. If the company has two additional working employees, the wife or husband might join the employer group health plan instead of being a sole owner (who may or may not be family members).
What are the various waiting periods in group health insurance coverage?
The waiting period in insurance varies from policy to policy and issuer to issuer. The different ones are:
- Pre-existing disease
- For a specific disease
- Maternity and newborns
Read more here: Group Health Insurance Waiting Periods
Why should you join Loop’s HR community?
When you join Loop’s HR community, you can be a part of the monthly HR meetups (virtually as of now). Here you can discuss hot topics where experts share their views. Stay tuned to our LinkedIn or Twitter page for announcements.
What is co-payment?
Co-payment or co-pay in short is a standard part of many group health insurance plans. Essentially, it’s the percentage of the claim amount the insured bears, while the insurer pays the remainder. Since both the insured and insurer bear the amount, it’s calculated on a percentage sharing basis. This clause and the percentage is typically mentioned in the policy.
What are administration charges?
Like non-medical and non-payable, there’s a standard list by IRDA for administration charges that all health insurers do not approve or cover. These include patient identification bands, visitor passes, entrance passes, discharge procedure costs, admission kits, etc.
What are newsletters and how many does Loop send?
The newsletter contains tips and tricks for members to effectively deal with the daily hustle and how to maintain a healthy life. We send them out every Wednesday.
What is the best way for you to invite our team members?
When you purchase a group health insurance policy by Loop, you get a scheduled day for an onboarding event with us. Before this day, you must share your employee data with our onboarding team to invite them.
How does Loop conduct wellness sessions?
As per your organization’s requirement, we host the wellness sessions on ground/onsite or virtually.
How long will it take to approve my cashless claim?
Typically, we settle group health insurance cashless claims in 3 to 4 working hours. The TAT starts when the hospital sends the documents to the TPA.
What are Achievable Weekly Plans?
Your Coach and you have 12 Weekly Video Call Catch-ups.
In each video call, you set Weekly Plans which would include mini targets you have to achieve. These would be extremely specific targets according to your motivation level, and what you can control in your daily life.
Your Coach proactively messages you on Whatsapp to check up on you every alternative day, to motivate you. You can also message your Coach for any questions-big or small.
What is a E-Card?
It is an identification card, which will entitle you to credit towards hospitalization and day care procedures and any other negotiated benefits at hospitals on the panel of TPA on pre-authorization. Please remember that the Health Card is not a credit card.The card does not entitle you to credit towards out patient treatment. To avoid any misuse of your card, the hospitals may ask you to furnish some identification card (like Voter ID, Photo Credit card, etc.)
How many employees do you need for group health insurance?
The minimum requirement for group health insurance with Loop is 7 members.
Where can you reach the wellness session speakers?
You can reach the wellness session speakers by downloading the Loop Health app and booking a 1:1 free consultation. These consultations are unlimited for all members.
What is Loop Engage?
Loop Engage curates a series of employee engagement events that address core concerns and ongoing challenges every individual faces today. These range from mental and emotional well-being to financial wellness, and mastering workplace skills.
How is Loop group health policy beneficial?
Loop Health is a modern health care provider with a proactive approach from start to finish. A group health plan includes a plethora of added benefits, including wellness perks, to your policy at no additional cost. Furthermore, with a team of specialized doctors and medical professionals available 24 X 7, all your health queries will be sorted out with ease. And the dedicated claims team will ensure your experience is absolutely hassle-free.
Whatsapp Group Challenges
Your progress will be tracked, you will have the option to enter group challenges with other members and win rewards that excite you!
Can you see other policy details in the Loop app, such as GPA, Covid policy, and GTL?
No, you cannot access such information or view other policy details in the Loop app.
I did not enroll my spouse or child during the first onboarding process. What's the best way to include them?
In general, health insurance policies don’t allow you to enroll your spouse or child once the onboarding is complete unless you’re newly married or have a newborn child.
If you get Loop Health’s group health insurance, you can enroll anytime you want.
Do group policies cover OPD expenses?
Not all illnesses require hospitalization. OPD (Outpatient Department) expenses are costs like dental procedures where you visit a clinic or hospital for treatment, get treatment/medicines and you’re back to good health in a few days. Typically, such expenses are minimal, and they’re not covered in group health insurance policies.
I have other health issues, will I also receive care for that? (eg: hypertension and cholesterol)
Our Doctor and Coaches are qualified to factor in any other conditions and give recommendations, plans and solutions that don’t affect those conditions.
How long does Sugar Care last?
12 Weeks. We recommend following through to see real results.
Are the wellness sessions chargeable?
For member companies, all events are free of cost.
How do you register for Loop Engage?
From the schedule provided, select the corporate engagement activities you are interested in and leave your contact details in the form provided therein and we will get in touch with you soon!
Can you cancel your group health insurance?
Yes, you can cancel your employer group health insurance plan. After cancellation, you will continue to get medical coverage until the end of the month. For example, if you cancel your coverage on the 16th of December, you will get medical coverage until December end.
Read more here: Group Health Insurance Cancellation Policy
How should startups get group insurance for employees?
With corporate health insurance, there’s no one size fits all option - and that’s the best part! You can get group health insurance for startups as well as large businesses. You can pick a plan and customize it according to your team and your needs. Insurance for your team is like an investment. You can contact Loop’s team here.
Who is eligible for Sugar Care?
Anyone who has Type 2 Diabetes or is Pre-Diabetic. Of any age.
We don’t manage Type 1 and Gestational Diabetes as of now.
How much does group health insurance cost for small business?
The cost of group health insurance coverage for small business varies due to lot of factors. At Loop, group coverage health insurance premiums start at Rs. 450/-. This comprises holistic cover from top insurers for your employees, including a range of added benefits and wellness perks, at no additional cost, for all-around preventive care.
Does a cashless claim mean you don’t have to pay a single rupee?
Not all medical expenses are covered by group health insurance plans. Therefore, when you make a claim, there are some deductions because of non-admissible services or items. For example, certain services like admission fees, registration fees, etc. do not fall under the umbrella of coverage. Hence, as the insured, you need to pay for some non-medical or payable expenses. In comparison with reimbursement claims, these costs are minimal.
Does Loop have doctors who can speak regional languages?
Yes, Loop has doctors who can speak various regional languages. You can pick one as per your comfort level.
Is medical insurance mandatory for employees in India?
Yes, medical insurance has been made mandatory for employees by the government of India post the COVID-19 pandemic. This has been put in place to ensure that every employee has some form of protection with group health plans.
How do you conduct Loop Engage events?
The events are conducted virtually.
What documents do you require for raising a claim?
To raise a claim, you need the following documents:
- Identity proof issued by the government
- Proof of residence and employer address
- 6-month salary slip
- Signed claim form with the details of the claim for reimbursement
- Printout of form 2A
When is a team member's membership activated?
The Loop team will share an e-policy card that members can access from the Loop app. Post this, the membership is active.
Why is medical insurance for employees in India important?
Medical exigencies are unpredictable. With a comprehensive group health plan, you can safeguard yourself and your family members, protect your savings, financial stability, fight lifestyle diseases, improve workplace productivity, and so much more.
How can you book a consultation with a Loop doctor?
You can book a consultation with a Loop doctor via the Loop App.
- On the home page, click on doctor consultations.
- Select a specialty, and choose your doctor.
- Choose your preferred time slot.
Your consultation will start appearing under “visits” on the app.
Should you pick a bank offered corporate health policy?
There’s a vast difference between employer group health insurance and a bank group health insurance policy. What you choose entirely relies on what you’re looking for. That being said, employer health insurance comes with a bunch of advantages like no waiting period for pre-existing diseases, choosing the choice of your doctor, added wellness benefits, maternity cover, an extensive network of cashless hospitals, and more.