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Business Insurance

Insurance Solutions
For Your Business

Group health, accident, workmen compensation and institutional cover. Tailored for corporates, SMEs, schools and NGOs.

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Group Plans From
₹299/Employee
Who We Serve

Covering Every Kind of Organisation

From large corporates to local schools, we have a group cover solution built for your type of organisation.

Corporates & SMEs

Group health and accident plans for your entire workforce

Schools & Colleges

Student and staff personal accident at institutional rates

Contractors & Industries

Workmen compensation for field staff and labour

NGOs & Trusts

Affordable group cover for non-profit organisations

Business Products

Our Business Insurance Plans

Statutory, group and institutional policies from India most trusted underwriters.

Popular
Magma General · Customisable

Group Health Insurance

Comprehensive health cover for your entire workforce. Cashless hospitalisation, pre & post care, and day care procedures — tailored per headcount.

  • Cashless at 10,000+ Network Hospitals
  • Pre & Post Hospitalisation Included
  • Day Care Procedures Covered
  • Customisable Sum Insured per Employee
  • Family Extension Options Available

Custom pricing based on group size and demographics

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SBI General / Go Digit · Per Employee

Group Personal Accident

Protect your workforce from accidental death, total and partial disability. No waiting period — coverage is effective from Day 1.

  • Accidental Death — 100% Sum Insured
  • Permanent Total Disability (PTD)
  • Permanent Partial Disability (PPD)
  • No Waiting Period
  • Scalable — from 5 employees upward

Per-employee annual premium, volume discounts available

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Institutional
SBI General / Go Digit · Institutional

School & College PA Cover

Dedicated personal accident insurance for educational institutions. Covers students and staff with IRDAI-compliant institutional rates.

  • Student Accident Death & Disability Cover
  • Staff Personal Accident Included
  • IRDAI-Compliant Institutional Rates
  • Covers Both On-Campus and Field Activities
  • Bulk Policy Issuance Available

Special institutional loading applies. Contact us for institutional rate card.

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Statutory
IRDAI Regulated · Statutory

Workmen Compensation Insurance

Statutory workmen compensation cover as required under the Employees' Compensation Act, 1923. Protects employers from liability claims.

  • Death & Disability Compensation
  • Medical Expenses for Work Injuries
  • Legal Liability Coverage
  • Compliant with EC Act 1923
  • Suitable for Contractors, Factories & Sites

Premium based on wage bill and occupational risk category

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Why BharatCover

The Business Insurance Partner You Can Trust

Everything your business needs — from custom group pricing to dedicated relationship management.

Custom Group Pricing

Rates tailored to your group size, demographics, and industry

Fast Policy Issuance

Group policies issued quickly with minimal paperwork

Trusted Underwriters

Backed by Magma General, SBI General and Go Digit

Dedicated Relationship Manager

A single point of contact for your business account

Flexible Coverage Design

Mix and match covers to fit your specific workforce needs

IRDAI Regulated

Fully compliant with all IRDAI regulations and guidelines

How It Works

Getting Covered Is Simple

Four steps from enquiry to full coverage for your entire organisation.

1

Share Your Requirements

Tell us your group size, industry and cover needs

2

Receive Custom Quote

We prepare a tailored proposal within 24 hours

3

Review & Confirm

Review terms, customise if needed, and confirm the plan

4

Policies Issued

All employee certificates issued and coverage begins

Industries

Industries We Serve

We have experience with group insurance across a wide range of sectors.

Manufacturing
Construction
Education
Healthcare
Retail
Logistics
Technology
NGOs & Trusts
Energy & Utilities
Hospitality
FAQs

Frequently Asked Questions

Answers to common questions about BharatCover business insurance solutions.

Most insurers require a minimum of 7–10 active employees to issue a Group Health Insurance policy. Some underwriters may accommodate smaller groups.
Yes. Group Health and Group PA policies can be structured with graded sum insured — for example, senior management may receive a higher sum insured.
Yes. Under the Employees' Compensation Act, 1923, employers in specified industries are legally required to provide compensation cover.
Once premium payment is confirmed and all employee data is submitted, group policies are typically issued within 3–5 working days.
Yes, most group health policies can be extended to cover an employee spouse, dependent children, and in some cases dependent parents.
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Ready to Protect Your Business?

Get a custom group insurance quote within 24 hours. No obligation.

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