FAq

 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.

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

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.

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

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

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.

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.

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.

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

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

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.

 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

With group 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.

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

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.

For member companies, all events are free of cost.

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 group 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.

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.

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.

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.

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.

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

For employers, the premium paid to provide 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.

You can easily delete team members from the HR dashboard.

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

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.

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.

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 

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.

We have empathetic, experienced doctors in the following specialties:

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

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.  

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

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

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

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

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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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

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.

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.

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

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.

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.  

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.

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

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.

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

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.

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

Group health insurance is definitely a cheaper option for businesses in comparison with individual health insurance. Group mediclaim for employees come with lower premiums and a host of added benefits that ensure your team is healthy and happy.

 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.

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

 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 

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. 

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

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

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.

The cost of group health insurance 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.

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.

The Loop app does not provide information on claims.

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