FAq

 As per your organization’s requirement, we host the wellness sessions on ground/onsite or virtually. 

The minimum requirement for group health insurance with Loop is 7 members.

Typically, we conduct wellness sessions twice a month, every alternate Friday.

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

Absolutely, you have the flexibility to select multiple health providers for your tests to best suit your needs.

For employers, the premium paid to provide a group health 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.

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.

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.

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.

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.

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This program will last for 4 weeks. However, you can extend your plan and stay with us as long as you want.

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.

As a Loop member, each employee will get a personalized care plan and regular follow-ups with their Loop medical advisor.

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.

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

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.

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 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.

No, group policies don’t come with a no-claim bonus benefit.

Unlike individual health insurance plans, group health insurance policies with Loop include health insurance plan for pre-existing conditions with no waiting period in India.

All HRs, managers, and organization leaders that would want to be part of the course.

You can request a free quote by filling out our quote form or contacting our team via email or call.

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).

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No, you cannot access such information or view other policy details in the Loop app.

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.

Yes, you can contact Loop's customer support team whenever you have questions or need assistance. Loop is dedicated to providing fast and responsive support to manage your insurance needs, ensuring you're never alone in navigating your insurance journey.

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.

Anyone who wants to quit smoking can be a part of the iQuit program.

You can join Loop’s exclusive HR community and stay up to date about trending HR topics and other insightful information. Here’s how: 

• WhatsApp - Join WhatsApp community
• Facebook - Join Facebook community‍
• LinkedIn - Join LinkedIn community‍
• Twitter - Join Twitter community

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.

 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.

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

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.

Yes, all the techniques used by our team are science-based. 

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.

At Loop, we prioritize prompt and efficient support during the claims process. Understanding the urgency of such situations, we swiftly dispatch an inspector to the incident site whenever necessary. Our team also assists in filing the appropriate documents promptly to expedite the claims process. This commitment to rapid and effective service is demonstrated by our ability to process a significant claim for a manufacturer in Kolkata on the very day of the incident, ensuring minimal disruption to their business operations.

You can easily enrol your team members from the HR dashboard.

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.

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!

 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

Anyone who has Type 2 Diabetes or Pre-diabetes is eligible. We cater to people from all age groups.

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.

The standard reimbursement claim processing time is 3 to 4 working weeks.

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.

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.

Yes, Loop offers comprehensive and cheap group health insurance plans at affordable costs, including COVID-19 cover.  

12 weeks! We recommend following through to see real results. You will definitely see a change in your diabetes levels with this plan.

We have empathetic, experienced doctors in the following specialties:

• General physician
• Diabetologists
• Dermatologists
• Women’s wellness
• Mental health
• Nutrition
• Pediatrics

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.

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.

Yes, Loop has doctors who can speak various regional languages. You can pick one as per your comfort level.

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.

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.

The cost of group health insurance coverage for small business varies due to lot of factors. At Loop, group 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.

Yes, absolutely. Our coaches will hand-hold you at every point and will help you get equipped with our platform.

For member companies, all events are free of cost.

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. 

Early detection of health issues can greatly improve the chances of successful treatment. By doing a health screening right now, you're taking an important step in maintaining your team's health and well-being.

We have worked with about 800 people and most of them have reduced their smoking habits by up to 70%. Some of these have been able to completely quit smoking.

Twice a month. Between 3 PM to 4 PM or 5 PM to 6 PM.

This course will enable individuals in leadership roles and HRs to understand the employee and design protocols around difficulties that can be managed rather creatively compared to putting employees on PIPs as a standard practice.

The Loop app does not provide information on claims.

Yes, health 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 insurance plan.

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.

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.  

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!

The way to order medicines through the Loop app is to get in touch with your medical advisor. They will provide proper guidance.

 You can reach the wellness team by emailing them at welllness@loophealth.com

While we do not have a money-back guarantee, we assure you our program will help you with working techniques to refrain from smoking.

Yes, you can customize your business insurance policy with Loop to suit your specific needs. We offer a range of personalized insurance options including Asset Protection, Marine, Directors & Officers, Commercial General Liability, Errors and Omissions, and Cyber Liability Insurance, all designed to meet the unique requirements of your business.

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.  

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.

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.

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.

In general, health insurance policies don’t allow you to enrol 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 enrol anytime you want.

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.

The waiting period in insurance varies from policy to policy and issuer to issuer. The different ones are:

• Initial
• Pre-existing disease
• For a specific disease
• Maternity and newborns

Read more here: Group Health Insurance Waiting Periods

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.

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.

MHASP will mindfully guide you in understanding not only your employees challenges, but also help you connect deeper with yourself in understanding mental health and well-being.

Definitely! Our referral program is designed to invite more people to be a part of the iQuit mission.

Yes, your remote-first company can take advantage of our testing options in Tier 1, Tier 2, Tier 3 cities and more.

You need business insurance to safeguard your business against various risks and uncertainties. Insurance like Asset Protection, Marine, Directors & Officers, Commercial General Liability, Errors and Omissions, and Cyber Liability Insurance from Loop protects your business assets, covers legal liabilities, and ensures business continuity against unforeseen risks and challenges. This protection is crucial for the stability and longevity of your business operations.

The events are conducted virtually. 

You can reach us at wellness@loophealth.com

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.

The Loop team will share an e-policy card that members can access from the Loop app. Post this, the membership is active.  

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 

Yes! We work with people from all over the country.

The cost of business insurance premiums with Loop is determined by factors such as the type of coverage selected (like Asset Protection, Marine, Directors & Officers, Commercial General Liability, Errors and Omissions, Cyber Liability Insurance), the level of risk associated with your business activities, and your specific business needs. Loop aims to offer competitive pricing and flexible payment options to provide affordable yet comprehensive coverage.

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.

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.

During the onboarding process, your team can expect simple questions such as employee details including, name, enrolment members, mobile numbers, and email IDs.

Yes! We work with people from all over the country.

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 

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 health insurance plan for small businesses, read here: Employer Group Health Insurance Requirements

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.

To use Clove dental Agarwal eye clinic services, you must first contact your medical advisor, who will then guide you about the process.

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.

You can easily delete team members from the HR dashboard.

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.