An exclusive daily cash insurance as low as ₹139/yr
Safeguard your staff's health by providing them affordable MSME Employee Health Insurance for daily insured cash benefits starting at ₹500/day.
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Why Choose MSME Employee Insurance?
Protect your team and your business with affordable, comprehensive coverage.
No Pre-medical Check-up
You get pre-qualified for the insurance without your staff needing to undergo any medical tests.
Protects from Loss of Income
Save your hospitalisation expense by getting your bills reimbursed, protecting your savings.
Faster Policy Issuance
Get your cover activated and your policy issued within just 7 days.
Step-by-step Claim Process
A clear and simple process to get your claims processed and reimbursed.
Step 1: Claim Intimation
Provide policy holder's name, claimant's ID, hospital details, diagnosis, and date of admission.
Step 2: Get Claim Form
The Claim Form can be downloaded from here (or via the link provided by our team).
Step 3: Complete & Sign Form
The completed claim form has to be sent to us along with all supporting documents.
Step 4: Upload Documents
Submit original bills, discharge voucher, chemist bills, investigation reports, and doctor papers.
Step 5: TPA Adjudication
Our TPA will review all submitted documents to adjudicate the claim as per the policy.
Step 6: Deficiency Follow-up
If any information is missing, you will be communicated instantly to ensure fast resolution.
Step 7: Reimbursement
Once your request is approved, you will be duly intimated and the amount will be reimbursed.
Frequently Asked Questions
What does MsME Employee Insurance cover?
+Overnight hospitalization due to accident, communicable diseases like dengue, malaria, etc or hospitalisation due to any other ailments are covered under the policy with the exception of certain 'permanent exclusions' as described in T&C document.
What are the advantages of buying MsME Employee Insurance?
+Benefits include no pre-medical check-up, coverage for Covid-19, quick claim settlements, faster policy issuance, and protection from loss of income during hospitalization.
Who can buy the MsME Employee Insurance cover?
+Any MSME owner or business can purchase this policy to cover their staff (up to 75 years) with separate individual policies for each employee.
Does the MsME Employee Insurance cover have age limits?
+Yes, this policy can cover your staff aged up to 75 years.
Can I add a MsME Employee Insurance to avail of maternity benefits?
+No, MsME Employee Insurance does not cover maternity.
Does MsME Employee Insurance cover AYUSH?
+This information is not specified. Please "Talk to an Expert" for detailed policy inclusions and exclusions regarding AYUSH treatments.
Can I buy a MsME Employee Insurance for my parents?
+This policy is designed for MSMEs to cover their employees. For parental insurance, please explore our separate family or senior citizen health insurance plans.
What is a deductible?
+A deductible is the amount you pay out-of-pocket for healthcare services before your insurance plan starts to pay. Please check the policy T&C to see if any deductibles apply.
Real Client Stories
See what our MSME clients say about our employee insurance plans.
“India Advocacy made setting up our employee insurance incredibly simple. The process was fast, and the premium is very affordable. Our staff feels secure, and I have peace of mind. Highly recommend!”
Aarav Patel
Tech Startup CEO, Pune“One of our employees had to be hospitalized, and the claim process was surprisingly smooth. The India Advocacy team guided us through it, and the reimbursement was quick. It's a fantastic service for small businesses.”
Priya Singh
Manufacturing Unit Owner, Jaipur“The daily cash benefit is a huge plus. It really helped our team member cover extra expenses during their hospital stay. The policy was issued in less than a week. Very impressed with the efficiency.”