Question 1

Is Bimaparakh free to use?

Accepted Answer

Yes. Getting your Bima Score, coverage-gap analysis and a shareable score card is completely free, with no obligation and no sales call unless you ask for one.

Question 2

What do I need to upload?

Accepted Answer

Just your company's group mediclaim policy PDF. For the deeper Insights you can also add your claims dump and member-detail file; the claims analysis report is optional.

Question 3

Is my policy data secure?

Accepted Answer

Your documents are transmitted over encrypted connections and stored in secured, access-controlled storage, shared only with Protego Insure to help you review cover, claims and renewals. You can delete your data any time.

Question 4

How accurate is the coverage check?

Accepted Answer

The Bima Score, gaps and claims checks are indicative and informational, based on the documents provided, and subject to the insurer's final adjudication. A Protego advisor can confirm critical details.

Question 5

What is a good room-rent limit in group health insurance?

Accepted Answer

The best group policies have no room-rent cap or a generous limit such as 1-2% of the sum insured per day (2% for ICU). A low fixed cap triggers proportionate deductions that shrink the whole claim.

Question 6

Is maternity covered in group health insurance?

Accepted Answer

Group mediclaim can cover maternity, but terms vary. Check the waiting period (often waived), the sub-limit (commonly Rs 50,000 normal and Rs 75,000 C-section) and whether the newborn is covered from day one.

Question 7

What is co-pay and should our policy have it?

Accepted Answer

Co-pay is the share of every claim the employee pays. The best core covers have zero co-pay; it is more acceptable only on voluntary parental top-ups. Removing co-pay raises the premium.

Question 8

When should we start our group insurance renewal?

Accepted Answer

Start about 90 days before the renewal date. Benchmarking your premium and annualizing your claims early gives you the data to negotiate; Bimaparakh nudges you at T-90/60/30.

Group health insurance guides for HR

What is a good room-rent limit in group health insurance?

Is maternity covered in group health insurance?

What is co-pay in group mediclaim, and should your policy have it?

Waiting periods in group health insurance, explained

How to reduce your group health insurance renewal premium

Want answers for your own policy?