Group Mediclaim (GMC)
Hospitalisation cover for employees and their families.
Understanding Group Mediclaim (GMC).
Group Mediclaim (GMC) policies cover hospitalisation expenses for employees and, where opted, spouse, children and parents. We structure benefit grids, family definitions, maternity, top-ups and wellness services around your headcount profile and budget.
GMC is the single most visible employee benefit. Wording, sub-limits and TPA quality matter as much as headline sum insured.
What's actually inside this cover.
- Floater or individual sum insured
- Maternity, newborn and OPD options
- Parental and dependent cover
- Wellness and OPD app integrations
- Hospitalisation and day-care procedures
- Pre-existing diseases also covered
- Pre & post-hospitalisation
- Critical Illness (CI) on opt-in
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Spouse undergoes planned surgery; cashless covers the bill.
Parent hospitalised under parental cover; reimbursement via TPA.
Maternity delivery covered including newborn for first 90 days.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Group Mediclaim (GMC) cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.