Group Health (GMC)
Hospitalisation cover for employees and their families, with options for maternity, parents and pre-existing conditions from day one.
Corporate & Group Insurance
Protect your people, and your business
From a 10-person shop floor to a growing company, we design employee benefit and liability programmes that fit your budget, placed with the right insurers and backed by hands-on claim support for your team.
- Employee benefits: group health, accident and life cover
- Statutory and liability cover for your business
- One point of contact for HR, endorsements and claims
Enquiry received
Thank you. An advisor will call you within 4 business hours (Mon–Sat, 9 AM – 7 PM). Want to talk sooner?
Types of Cover
Solutions for employers
Every business is different. We start with a quick review of your risks and existing policies.
Group Personal Accident
24x7 cover for accidental death and disability, with weekly compensation during temporary disability.
Group Term Life
Life cover for employees at a group rate, a valued benefit that also supports families in difficult times.
Employee's Compensation
Covers your legal liability under the Employee's Compensation Act, 1923 for workplace injury or death of workers.
Liability Insurance
Public, product, professional indemnity, directors & officers (D&O) and commercial general liability.
Cyber & Specialty
Cyber liability, crime/fidelity, keyman and credit insurance for businesses with specific exposures.
Know Your Cover
What's covered, what's not
A general guide. Exact cover depends on the insurer and plan, and we walk you through the policy wording before you buy.
Usually covered
- Employee hospitalisation costs, cashless at network hospitals (GMC)
- Accidental death & disability of employees (GPA)
- Legal compensation to workers for employment injuries (EC)
- Third-party claims for injury or property damage from your business (Public / CGL)
- Defence costs and damages for professional errors (PI) or management decisions (D&O)
Usually not covered
- Intentional or fraudulent acts by the insured
- Contractual liabilities you've assumed beyond what the law imposes (unless specifically covered)
- Known claims or circumstances before the policy began
- Fines and penalties that cannot legally be insured
- Specific exclusions per policy, which we review with you before placement
How We Work
Your insurance partner, not just a vendor
What you get with BimaBridge for your company's insurance programme.
Risk review
We study your operations, workforce and contracts to identify gaps and over-insurance.
Market placement
We approach multiple insurers, negotiate terms and present a clear comparison.
Employee onboarding
E-cards, network hospital lists and a simple guide so your employees know how to use their cover.
Endorsements
Additions and deletions of employees, sum insured changes and certificates, handled promptly.
Claims desk
A dedicated contact for employee and business claims, with regular status updates to HR.
Renewal planning
Claim-experience analysis ahead of renewal, so there are no last-minute premium surprises.
Claims
Claims handled for your team
Employees shouldn't have to struggle with a claim, and nor should HR.
Notify us
Employee or HR informs our claims desk by call, WhatsApp or email with basic details.
Intimate & guide
We intimate the insurer / TPA and share the exact document list with the employee or HR.
Coordinate
For liability and EC claims, we coordinate with surveyors, lawyers and the insurer on your behalf.
Close & report
We track every claim to settlement and share periodic claim reports with management.
Keep Handy
Documents usually needed for a claim
Insurers may ask for more depending on the case. We'll give you the exact list for your claim.
- Policy number and employee ID / member list
- Claim form (employee / employer)
- Hospital bills and discharge summary (health claims)
- FIR / accident report (accident and EC claims)
- Medical certificates and disability certificates
- Wage records and employment proof (EC claims)
- Legal notice or third-party claim letter (liability claims)
- Bank details for settlement
FAQs
Corporate & Group Insurance questions
What is the minimum group size for group health insurance?
Many insurers offer group health cover for as few as 7–10 employees, though terms improve with larger groups. Tell us your headcount and we'll check options.
Is Employee's Compensation insurance mandatory?
Employers are legally liable to pay compensation for work-related injury or death under the Employee's Compensation Act, 1923. Insurance transfers this financial liability to an insurer and is often required by principal employers and in contracts.
Can we cover employees' parents under group health?
Yes, many group policies allow parents to be added, sometimes with a separate sum insured or employee contribution. We'll structure what works for your budget.
What does D&O insurance cover?
Directors & Officers liability insurance protects directors and managers against personal liability and defence costs for alleged wrongful acts in managing the company.
We are a small business. Is this relevant for us?
Absolutely. A single accident at your premises or a hospitalised employee can be a big financial hit. We design simple, affordable programmes for SMEs.
Let's review your company's cover
Share your business type, employee count and current policies, and we'll suggest improvements, free.