Group Health Estimator

Estimate B2B Group Medical Cover (GMC) premiums for your startup or company employees.

Number of Employees

Usually min 7 employees required for GMC.

Average Employee Age

Sum Insured per Family

Include Dependents?

Cover spouse & max 2 children (E-SC coverage).

Total Estimated Premium (Annual)

₹9,91,200

Total corporate outgo for 50 employees and their families.

Cost Breakdown

Combined Base₹8,40,000

18% GST₹1,51,200

Per Employee / Family Cost

₹16,800

Annual base cost per headcard.

Why are GMC rates different from retail policies?

Pre-existing Diseases (PED): Covered from Day 1 in GMC. Retail policies have 2-4 year waiting periods.
Maternity: Often covered with 9-month waiting period waived off.
Tax Benefit: Employer claims 100% of the premium as a business expense under the IT Act.

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