Corporate Health Insurance
Corporate Health Insurance that actually works
Easy for employees to use. Simple for HR to manage. Reliable for businesses.
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Corporate Health Insurance
Corporate Health Insurance that actually works
Easy for employees to use. Simple for HR to manage. Reliable for businesses.
Competitive salaries may attract talent, but the right employee benefits help retain it. Corporate Health Insurance helps businesses support employee well-being, improve retention, and create a healthier workplace. With ACKO, employers get flexible health plans, simplified benefits management, and digital-first healthcare support for their employees.
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What is Corporate Health Insurance?Why Businesses Choose Health Insurance for Corporate Employees?Why Businesses Trust ACKO for Corporate Health InsuranceACKO’s Corporate Health InsuranceACKO Corporate Health Insurance Benefits for Employees?What is CoveredCustomisation with ACKO’s Corporate Health InsuranceWhat is Not CoveredEligibility Criteria for Corporate Health Insurance PolicyHow to Buy Corporate Health Insurance from ACKOThings to Consider FAQsCorporate Health Insurance, also known as Group Health Insurance, is a health insurance policy purchased by an employer to provide coverage for eligible employees under a single master policy. Designed for businesses, corporate health insurance can be easily customised to meet the needs of different workforce sizes and structures.
A corporate mediclaim policy can be a right fit for companies with the following goals:
For many businesses, a corporate health insurance policy for employees is an important employee benefit. By supporting employees' healthcare needs, companies can help improve job satisfaction, build loyalty, and create a more positive work environment.
Corporate Health Insurance can extend coverage to employees and their dependent family members. This helps reduce the financial burden of medical expenses and provides added peace of mind during health emergencies.
A corporate health insurance policy for employees is often flexible and can be customised based on workforce requirements. Employers can choose the coverage and benefits that best suit their employees, with the option to include add-ons where applicable.
Providing corporate health insurance to employees allows companies to avail of tax benefits under the Income Tax Act, 1961. Both employers and employees are eligible for tax deductions with a corporate mediclaim policy.
ACKO's corporate health insurance plans are trusted by businesses across industries. It combines comprehensive coverage, a user-friendly digital experience, and a strong healthcare network.
Here are some of the key benefits businesses can expect from ACKO Corporate Health Insurance.
Handle employee onboarding, policy updates, dependent management, and e-card distribution from a single platform. Digital workflows help streamline routine tasks and reduce the burden on HR teams.
Integrations with leading HRMS platforms help keep employee records and insurance coverage aligned automatically. This reduces manual intervention, minimises coverage gaps, and improves operational efficiency.
Healthcare support should be quick and hassle-free. ACKO offers average cashless pre-authorisation approvals in 21 minutes and discharge approvals in 61 minutes. In FY 2025-26, 90% of OPD claims and 85% of reimbursement claims were settled within 1 day.
Employees and their families can avail of cashless treatment at 11,500+ hospitals across India. This helps ensure convenient access to medical care whenever the need arises.
Access key policy insights, including CD balance trends, premium projections, open claims, and utilisation metrics through a centralised dashboard. This enables businesses to plan healthcare budgets with greater confidence.
Here are the benefits of being covered under the ACKO corporate health insurance for employees.
Employees are covered from their date of joining, with no initial waiting period.
Employees can enrol without undergoing medical tests or health screenings.
Employees can access their policy, health card, claims, and other services through the ACKO website or app, making insurance simple and paperless.
Employees can access healthcare services through ACKO's network of 11,500+ hospitals, 4,500+ diagnostic labs, and 35,000+ doctors for teleconsultations.
ACKO Corporate Health Insurance covers a range of healthcare expenses for employees and their families. Depending on the plan selected by the employer, coverage may include:
| Coverage | What it Covers |
| In-patient Hospitalisation | Covers hospitalisation expenses such as room charges, nursing costs, doctor fees, and other treatment-related expenses. |
| Pre- and Post-Hospitalisation | Covers eligible expenses incurred before and after hospitalisation, including consultations, diagnostic tests, and prescribed medicines. |
| Daycare Treatments | Covers medical procedures that do not require 24-hour hospitalisation. |
| Road Ambulance Cover | Covers ambulance expenses incurred during a medical emergency. |
| Maternity Benefits | Covers medical expenses related to maternity and newborn baby, such as room fees, anaesthetic and doctor consultations for both normal and C-section delivery, pre- and post-natal check-ups, newborn baby care, etc., as per policy terms. |
| Coverage for Pre-existing Diseases | Selected plans may offer coverage for pre-existing conditions from day one. |
| Critical Illness Coverage | Provides financial protection against specified critical illnesses, subject to policy terms and conditions. |
Corporate Health Insurance Plans at ACKO are highly customisable in nature. We offer the option to pick and choose coverage for creating tailor-made plans which cater to your objectives.
Corporate Health Insurance Plans at ACKO are highly customisable in nature. It offers the option to pick and choose coverage for creating tailor-made plans which cater to your objectives.
Outpatient Department (OPD) Cover: Medical costs that are not related to hospitalisation such as doctor consultation fees, medical check-ups, diagnostic tests and prescribed medicines are covered under the OPD add-on.
Hospicash Cover: The Hospicash cover offers a certain amount of money for each day of hospitalisation. This amount can be used by immediate family members for travelling, buying food, or medicines.
Consumables Cover: Usually, any health insurance policy does not cover the cost of toiletries, masks, gloves, etc. With the Consumables Cover, your employees can claim these costs as well.
Personal Accident Cover: A predefined lump-sum amount is paid to the employee or their family in case of death or disability due to an accident.
COVID-19 Home Quarantine Plan: This add-on pays for the COVID-19 treatment availed at home. It includes doctor consultations, oximeter (one per family), prescribed diagnostic tests, RT-PCR tests, prescribed medicines, nebulization charges, etc. as per policy terms.
While ACKO Corporate Health Insurance provides comprehensive health insurance for corporate employees, certain treatments and situations may not be covered. Some common exclusions include:
The exact exclusions may vary depending on the policy. Please refer to the policy wording for the complete list of exclusions, terms, and conditions before making a claim.
The employees have no other eligibility criteria except being employed with the organisation that is providing the health insurance policy. They can avail themselves of health insurance benefits through Corporate Health Insurance until they are associated with the company. The policy will cease to exist with the end of this association.
Follow these easy steps and get your corporate health insurance from ACKO today:
As an employer, you need to look at a few things while scouting your employees' right corporate health plan.
Assess your employee’s profile based on their age, location, health habits, health history etc. If most of your employees belong to Gen X and reside in metro cities, you may want to consider a more comprehensive plan with a high sum insured amount that can match the rising healthcare costs in the cities.
The plan you select should offer you value for money and offer flexibility in terms of premium payment. It is a good idea to go with the insurance company that can provide holistic coverage at affordable premium rates with the flexibility to pay the premium amount on a monthly, quarterly, bi-annually, or annual basis.
Select an insurer that simplifies the journey for you. New-age insurers like ACKO offer 100% paperless, 100% support and 0% form-filling experience. This offers ease and convenience not just to you, but to your team as well.
We like to keep everything digital. From the self-serve enrolment process, customisation of the policy to raising claims and tracking them - your employees can access a host of these features with just a few clicks. This also reduces the admin hassles for you.
Most of the time, Corporate Health Insurance is utilised only by a small section of employees. This leads to the underutilisation of the plan. Offering a host of wellness benefits such as teleconsultations with doctors, access to mental health experts, fitness tracking, discounted pharmacy, and diagnostic tests can help keep your team fit and offer an all-inclusive healthcare solution. Note: A healthy team will lead to a low number of claims, which means a low premium amount at the time of renewal.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any group insurance-related decisions. Feel free to reach out to us at +91 809999732/+91 8660925007 or [email protected] for any queries.
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