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Insurance & Medical Key figures checked against official sources on

Employer Group Health Insurance (Private Sector)

Short answer

Most private employers provide group mediclaim, so check your cover, add parents if you need to and know the limits. The sum insured varies by employer, so read your policy document. Premiums you pay yourself for health insurance may qualify under Section 126 (formerly 80D) in the old regime.

Last checked · 1 key figure from the fact register

Key facts

Key facts on this page with their source and the date each was checked
FactValueSourceDate checked
Section 80D health insurance (now s.126)₹25,000 self and family; ₹25,000 parents (₹50,000 if senior citizens); old regime only Official sourceIncome Tax Department: Section 126 (opens in a new tab)

What it is

Group Health Insurance is a policy bought by your employer that covers hospitalisation for you and often your family.

Who gets it

Private-sector employees whose company offers the benefit.

How much

The sum insured varies by employer, so check your policy document. Premiums you pay yourself for health insurance may qualify under Section 126 (formerly 80D) in the old regime.

Eligibility

  • Your company provides group cover
  • You enrol within the window after joining

Value

Compare your cover with what a comparable individual policy would cost for your age and family.

How to claim

  1. Download your e-card from the insurer or HR portal.
  2. Use network hospitals for cashless treatment.
  3. File a reimbursement with bills for non-network hospitals.

Documents checklist

  • E-card
  • ID
  • Hospital bills and discharge summary

Deadlines

Add parents and dependants during open enrolment.

Common mistakes

  • Missing the enrolment window
  • Ignoring room-rent caps
  • Assuming cover continues after you leave

FAQ

Does cover continue after I resign?

Usually not. Consider a personal top-up policy.

Official sources

Written by the PerkNavigate editorial team. Key figures checked against official sources on 16 October 2026. See how we verify perks. Information only; not financial, tax or legal advice (disclaimer). Found an error? Tell us.

Sources and status

Each figure on this page comes from the fact register. What the badges mean.

  • Official sourcechecked 2026-10-16

    Section 126 (formerly 80D): self and family 25,000; parents 25,000; each 50,000 if a senior citizen; preventive check-up 5,000 within those limits; medical expenditure for an uninsured senior citizen up to 50,000. Not available in the new regime

    Income Tax Department: Section 126

Government employee? Find your salary by pay level and see 8th Pay Commission scenarios.

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