What happens if you’re admitted for less than 24 hrs?

Claims
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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 long will the Diabetes Care program last?

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

How can you order medicines through the Loop app?

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

What are newsletters and how many does Loop send?

Wellness Sessions
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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 types of doctors are available on the Loop app?

Doctors and Consultations
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We have empathetic, experienced doctors in the following specialties:

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

When is the claim processing time?

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

What is the procedure for removing a team member?

Onboarding
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You can easily delete team members from the HR dashboard.

 Can I customize my business insurance policy to suit my specific needs?

Commercial Insurance
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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.

How do I get a quote for business insurance?

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

Does a Loop employee medical insurance policy cover treatment for COVID-19?

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

Can I buy this for a friend or family member?

Diabetes Care
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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.

I have other conditions along with Diabetes (eg. Hypertension, kidney or liver issues, etc). Is this programme for me?

Diabetes Care
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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.

Why should you join Loop’s HR community?

Community
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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 the difference between group and individual coverage?

Group Health Insurance
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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 do you mean by pre and post hospitalization expenses?

Claims
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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.

How can our team members self-onboard?

Onboarding
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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.

When should you buy group health insurance for your company?

Group Health Insurance
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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.

How can you chat with a Medical Advisor?

Doctors and Consultations
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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 many wellness events does Loop host in a month?

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

How can you book a lab test?

Doctors and Consultations
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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.

What are administration charges?

Claims
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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 is the procedure for adding a team member?

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

Can I contact Loop’s customer support team if I have questions or need assistance?

Commercial Insurance
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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.

How should startups get group health insurance for employees?

Group Health Insurance
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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.

How many folks have successfully quit smoking with this program?

Smoking
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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.

How do you use Clove dental Agarwal eye clinic services using the Loop app?

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

Why is it necessary to do a health screening right now?

Health Reports
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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.

What are the advantages for employers who provide health insurance for their employees?

Group Health Insurance
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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 

What is the best way for you to invite our team members?

Onboarding
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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 many employees do you need for group health insurance?

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

Why is this course worth doing?

MHASP
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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.

What is wellness at Loop Health?

Wellness Sessions
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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.

I’m not that comfortable with using technology, can I still sign up?

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

Is Loop Engage chargeable?

Engagement
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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.

What is co-payment?

Claims
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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 do you mean by non-medical or payable expenses?

Claims
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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 features of the Loop app?

Products and Tools
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 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

Are your services available all across India?

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

I did not enrol my spouse or child during the first onboarding process. What's the best way to include them?

Onboarding
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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.

How does Loop conduct wellness sessions?

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

What are the clinical services Loop offers members?

Doctors and Consultations
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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 do you register for Loop Engage?

Engagement
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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!

What are the benefits of wellness events?

Wellness Sessions
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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.

Why is medical insurance for employees in India important?

Group Health Insurance
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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.

What are the questions you will ask our team members during the onboarding process?

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

We are a remote-first company, can we still get the tests done?

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

Are the wellness sessions chargeable?

Wellness Sessions
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For member companies, all events are free of cost.

How long will it take to approve my cashless claim?

Claims
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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.  



Who is eligible for the iQuit program?

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

Why do I need business insurance?

Commercial Insurance
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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.

Do group policies cover OPD expenses?

Claims
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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.  

Can you see other policy details in the Loop app, such as GPA, Covid policy, and GTL?

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

Are your services available all across India?

Diabetes Care
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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!

How is Loop group health insurance policy beneficial?

Group Health Insurance
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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.

Can I view my claims history in the Loop app?

Products and Tools
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The Loop app does not provide information on claims.


What is Loop Engage?

Engagement
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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 can you get in touch with the wellness team?

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

Does Loop have doctors who can speak regional languages?

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

How can you resolve my medical queries in the Loop App?

Products and Tools
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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 small business group health insurance requirements?

Group Health Insurance
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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

Is medical insurance mandatory for employees in India?

Group Health Insurance
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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.

Is this program scientifically proven?

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

Are all the services free?

Doctors and Consultations
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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.

Can I choose more than one health provider for tests?

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

When is a team member's membership activated?

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


How does Loop assist during the claims process?

Commercial Insurance
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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.

How much does group health insurance cost for small business?

Group Health Insurance
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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.

How do group health insurance claims work?

Claims
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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.

How can you book a consultation with a Loop doctor?

Doctors and Consultations
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 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.

Who is eligible for the mental health sensitization course?

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

Can you claim from more than 2 insurance policies?

Claims
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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.

Where can you reach the wellness session speakers?

Wellness Sessions
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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.

Should you pick a bank offered corporate insurance policy?

Group Health Insurance
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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.

What is the maximum number of claims allowed under group health insurance?

Claims
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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 various waiting periods in group health insurance coverage?

Group Health Insurance
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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

Can I buy this for a friend or family member?

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

How long will the iQuit program last?

Smoking
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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.

Can you cancel your group health insurance?

Group Health Insurance
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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

I’m not that comfortable with using technology, can I still sign up?

Diabetes Care
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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.

Do you guarantee success?

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

What are the kinds of wellness events?

Wellness Sessions
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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.

Does group health insurance cover pre-existing conditions?

Group Health Insurance
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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.

Where can you reach Loop Engage for any further queries?

Engagement
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You can reach us at wellness@loophealth.com

Who is eligible for the Diabetes Care program?

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

What documents do you require for raising a claim?

Claims
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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 

Does a cashless claim mean you don’t have to pay a single rupee?

Claims
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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.

How will the course help me?

MHASP
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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.

Is group healthcare policy cheaper than individual health coverage?

Group Health Insurance
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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.

How do you conduct Loop Engage events?

Engagement
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The events are conducted virtually. 

What are achievable weekly plans?

Diabetes Care
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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.

Are group health insurance premiums tax deductible?

Group Health Insurance
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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.

How many Loop Engage events are hosted a month?

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

Are your services available all across India?

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

What factors determine the cost of my business insurance premiums?

Commercial Insurance
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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.

Is no-claim bonus available with group health insurance?

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


What is the maternity benefit in an group health insurance plan?

Group Health Insurance
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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.

Are there any advantages for us already being Loop members?

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

How to join Loop’s HR community?

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

Where can you get a copy of your health insurance card?

Onboarding
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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.

Can husband and wife have group health insurance?

Group Health Insurance
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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).