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About Nova

FAQs around wellness packages, health insurance and other employee benefits.

How exactly does Nova help me?

If you are looking to buy group health insurance, we help you weigh your options and make a better choice. If you’ve already bought one, we have a tool to help you administer and manage your policy. If you are looking to ensure the overall wellness of your team with exclusive add-on benefits apart from health insurance, we have a range of benefits that you can consider.

Does Nova help employees with claims?

Our claims team has experience of handling more than 10,000 claims, and we help our clients with their expertise at no additional cost. With more than 7000 claims successfully processed, we make sure that your employees have the best experience and get the maximum amount approved with our advice.

Why should I trust Nova with my team's insurance and wellness?

Nova is on a mission to make workplaces happier and healthier for everyone. Having successfully covered 1,00,000+ employees from 300+ companies, our aim is to make employee benefits more personalised and easily accessible for companies all across India irrespective of their team size. We plan on doing so by helping organisations find the right benefits at the right price.

Is Nova free?

We are building Nova to be an unbiased source of information when it comes to insurance and other employee wellness benefits. You can book a demo call with us and get customised quotes for any of our offerings for free.

Do you have a mobile app?

Yes, we have an Android and iOS mobile app.

Do you provide health insurance for teams of all sizes?

Yes, we can help you find the right policy for your team no matter how small or big it may be in size. Nova can help find the best quotes customised to cater to your company size.

What do you mean by wellness offerings?

At Nova, we provide benefits that go beyond insurance. Our wellness suite of offerings include unlimited teleconsultations, gym memberships, annual health check-ups, customised engagement sessions and much more!

Group Health Insurance

FAQs around group health insurance for teams of all sizes.

What is group health insurance?

Group health insurance is a policy that provides coverage to a group of members. Usually, this coverage is taken for employees of a company.

What are the benefits of group health insurance?

Group health insurance is beneficial in several ways for both employees and employers. For employees, group health insurance provides financial coverage, covers pre-existing diseases without a waiting period and helps provide coverage for their families. For employers, group health insurance helps attract and retain top talent, save on taxes, and build a people-first team.

Is it mandatory to offer group health insurance for a startup in India?

As of 2021, it is essential to offer group health insurance for any company, startup, or organisation working on-site. A startup needs a paperless, frictionless, and hassle-free solution with add-on benefits for employees. That’s where tech-powered group health insurance solutions and platforms come into the picture.

Why should I choose a group insurance plan with additional healthcare benefits?

There are several reasons to choose a plan with add-on benefits. Your employees are bound to be happier when you offer add-on benefits like teleconsultation, employee wellness initiatives, mental health coverage, and maternity benefits. The work culture (and perks) improve the overall employee NPS and makes you a magnet for top industry talent.

What is the meaning of a Cash Deposit (CD) account?

Cash Deposit (CD) accounts are created for a company with its insurer for the purpose of insurance-related transactions. It is a non-interest-bearing account, with all the premium payments made by the company being deposited into this account. Maintaining a cd balance in insurance has the advantage of instantly adding employees to the corporate policy by paying the premium out of the CD account.

What is the cost of group health insurance?

The premium for your team’s group health insurance depends on the team size as well as the type of policy you opt for you. You can get an estimate for the premium using our policy calculator.

What are the tax benefits of group health insurance?

The premium paid to provide a group health insurance policy for employees in India can be deemed a business expense. The Indian Income Tax Act of 1961 considers this expense to be 100% tax-deductible.

Does Nova offer other benefits except health insurance?

Yes, we do. Nova offers a range of benefits to ensure the overall wellness of your team. This includes full body check-ups, mental wellness support, telehealth services, dental check-ups, discounted medicines and maternity wellness benefits.

Does Nova help employees with claims?

Our claims team has experience in handling more than 10,000 claims, and we help our clients with their expertise at no additional cost. With more than 7000 claims successfully processed, we make sure that your employees have the best experience and get the maximum amount approved with our advice.

Is it safe to buy group health insurance online?

Yes, as long as you buy the group health insurance plan from a trustworthy insurer. To ensure that you invest in the best group health insurance, it is important to look at different insurers and prices before making your final decision, which is where Nova comes in. Nova Benefits is an IRDAI licensed insurance broker that partners with multiple insurers to get you the best group medical insurance plans.

What is the waiting period for group health insurance?

Waiting period refers to the time period before a selected list of ailments begin to get covered by your policy. Usually, this applies to pre-existing ailments, and some ailments may have a waiting period of a year or two. Nova's group health insurance plans have zero waiting period on all ailments covered under insurance.

How to save time while making the employee onboarding experience seamless?

You can use an automated onboarding solution with a self-service portal and HRMS integration for a seamless employee onboarding experience. Your employees can update their details, dependent information, check policy coverage, and place claims requests with a tech-based solution like Nova

What is the minimum number of employees required for group health insurance in India?

According to the IRDAI, a minimum of seven employees are required to provide group health insurance.

Does group health insurance cover pre-existing diseases?

Pre-existing diseases refer to ailments an individual is diagnosed with before or while buying health insurance. The group health insurance offered by Nova covers pre-existing diseases of employees from day one if any.

How can I avail cashless reimbursement under my group health insurance policy?

Employees can avail cashless benefits under their group health insurance if they have undergone treatment in a network hospital of the insurer and if the treatment is covered under their policy.

How can I renew my group health insurance with Nova?

You can schedule a call with the Nova team, and we’ll help you find the best group health insurance for your team in terms of benefits, price and claims experience.

What is the difference between group health insurance and individual health insurance?

Group health insurance has several advantages over individual health insurance; this includes coverage for pre-existing diseases, no waiting period, coverage for maternity expenses and coverage for parents. Group health insurance is also more cost-effective than individual health insurance as insurers charge lesser premiums due to lower risk of adverse selection.

Can I change my group health insurance policy before its expiration?

Yes, you can change your group health insurance policy by terminating your team’s existing group health policy. However, the refund will depend on the insurance company’s terms and conditions.

Super Top-Up

FAQs around increasing your top up coverage from Nova Benefits.

What are the best super top-up health insurance plans in India?

Several super top-up insurance plans are available in India - policyholders can invest in a plan that suits their needs the best based on price and the level of additional coverage they need. Experts at Nova can help you find the best super top-up coverage for your team.

What is super top-up health insurance?

Super top-up health insurance is a plan that covers your medical bills up to the super top-up sum insured provided in the plan above a base amount (deductible) once exhausted. The deductible amount is predetermined by the base policy. A base policy can be either your individual health insurance or your GMC coverage provided by your employer.

What is the benefit of purchasing super top-up health insurance?

Once you have exhausted your base coverage amount, the super top-up health insurance ensures coverage till the super top-up sum insured amount. It also gives you the benefit of a higher sum insured at a lower premium than regular policies.

How does super top-up health insurance work?

Super top-up health insurance covers your hospital bill when your basic health insurance plan is exhausted. It offers a higher sum insured at an affordable premium, giving your health insurance a boost through additional coverage.

Are there any age limits or restrictions for super top-up health insurance?

Super top-up health insurance plans are available for employees below 75 years of age who are already covered under Nova group health insurance. Dependent children should be between 90 days and 24 years of age.

Does a super top-up health insurance plan provide any additional tax benefits?

Any premiums paid for super top-up health insurance plans are eligible for tax deduction under section 80D for up to 25,000 per year.

Can I buy super top-up health insurance to extend coverage to my spouse and parents?

Yes, you can buy a family floater super top-up plan that offers coverage for you, your spouse and 2 children. Your parents (up to 75 years of age) can be covered under separate individual policies.

Under whose name should the super top-up plan be purchased?

The super top-up plan can be bought by an employee already covered under a group health insurance cover by Nova. You can buy the plan under your own name.

What is the process to raise a claim against a super top-up plan?

You can raise a claim for the super top-up under the policies section on your Nova Portal. If your base policy is not with Nova, you can visit Nova’s portal to claim against the super top up policy only.

What is the specific waiting period for named ailments in super top-up health insurance?

Expenses related to the treatment of the listed conditions and surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the policy. This exclusion shall not be applicable for claims arising due to an accident.

My account in Nova is created using my work email. So when I leave or switch workplaces, how will the transition be done?

We ask for your personal email when you sign up. If you leave the organisation, you can contact Nova to make your personal email the primary email for your super top-up health insurance policy.

Will any of the benefits of super top-up health insurance change when employees leave their current workplace, keeping in mind that they were under a group insurance policy?

The top-up policy is independent of your base policy provided by your employer. If you leave your current workplace, the deductible amount applicable for the super top-up should come from another health insurance policy that you have or cash.

For example, if your current workplace provides you with a base policy of 5 lakh, then the super top-up health insurance policy will have a deductible of 5 lakh. If the hospital bill is 15 lakhs, 5 lakh can be claimed from the current workplace base policy, and the remaining 10 lakh can be claimed from the super top-up health insurance policy. If you leave the current workplace, the initial 5 lakh comes from another insurance policy (your new workplace’s base policy or personal health insurance policy) or cash.

Covid Insurance  

FAQs around Nova's Covid Wellness Plan for extensive pandemic coverage.

What is Covid Insurance?

Covid Insurance is an insurance policy that covers the medical expenses incurred by a policyholder for the treatment of Covid-19.

What's the eligibility critera for Group Covid Insurance?

If your company is registered with MCA, and has 7+ employees you can purchase group covid insurance.

How do I file a covid claim?

A positive test report for Covid-19 is mandatory in the event of a claim. Only RT-PCR or Rapid Antigen Test results will be accepted by the insurers for covid claims.

Will I get coverage for at home covid expenses ?

Home care treatments are covered in case of a premium covid insurance policy

Are covid tests covered by insurance?

Yes, but the extent of the coverage varies from policy to policy and the test needs to be prescribed by a doctor.


FAQs around our unlimited teleconsultation services

What is a teleconsultation?

A teleconsultation is an instant way for doctors and patients to connect over a video call, voice call or text message.

Are the doctors provided through Nova's teleconsultation services qualified?

Yes, they are. Additionally, you can read more about each doctor’s qualifications before booking an appointment with them.

Is there a limit on how many consultations I can book as a user?

The number of consultations that can be booked by you varies depending on your membership plan with Nova. It can be both limited and unlimited.

Will my medical information remain confidential?

Yes, yes and YES! All information given to the doctor during the consultation will remain confidential.

Can we consult the same doctor more than once?

Yes, you can repeat your consultation with a specific doctor as per your requirement.

What are the benefits of telehealth?

Nova’s telehealth services can help your team access 1,00,000+ doctors from 76,000+ clinics and hospitals for consultations on 20+ specialities. This can help employees access medical support from the comforts of their home pushing them to keep a tab on their health proactively through regular check-ups.

Why should I provide telehealth as a benefit to my employees?

Telehealth enables your team to proactively work towards better health through regular consultations with top doctors. It also helps in early detection of any serious ailments which can help the employee in taking necessary action towards improvement.

How can I encourage my employees to use telehealth services more often?

Nova helps you keep a tab on the telehealth usage of your employees through regular reports. These reports can be used to send monthly reminders to your team on the availability of this benefit. Additionally, the Nova portal and app make it easier for employees to access their telehealth benefits just by following a few simple steps.

What conditions can be treated via telehealth?

Nova’s telehealth services provide coverage for 20+ specialities including homeopathy, gynaecology, dental, general physician, pediatrics and many more.

How do I set up telehealth for employees?

Nova’s telehealth services can be accessed in four simple steps - log in to the Nova portal or app, click on the telehealth benefit card, follow the instructions mentioned within the card and voila you can now book unlimited teleconsultations!

Is Nova the best platform for telehealth?

Nova’s telehealth services enables your team to access 1,00,000+ doctors from 76,000+ clinics and hospitals for consultations on 20+ specialities. It also provides benefits such as discounted medicines and diagnostic tests and allows your team to extend these benefits to up to five family members. As for being the best platform, schedule a call with us and you can decide for yourself!

Mental Wellness

FAQs around our suite of mental wellness offerings

Why should I secure the mental wellness of my team?

While a group health insurance plan provides the necessary financial coverage to your employees in case of an emergency, mental wellness support can help your team get certified help when they find themselves overwhelmed due to work or personal problems. Providing the right kind of mental help to your team can help them lead healthier lives and increase their productivity at work.

What are emotional health check-ins?

Emotional health check-ins are done as a preventive measure to evaluate how a person is doing mentally through a series of questions.

What are emotional support groups?

Emotional support groups are a safe space for you to discuss common emotional challenges with your team.

Are the therapists provided by Nova qualified?

Yes, all therapists and counsellors are qualified.

Will information revealed in personal therapy sessions remain confidential?

All information shared with the therapist in personal sessions will remain confidential.

Is there a limitation to how many personal therapy sessions I can book?

The number of sessions that can be booked by you varies depending on your membership plan with Nova. It can be both limited and unlimited.

What are the benefits of ensuring mental wellness in the workplace?

43% of Indian employees suffer from mental health issues at work, ensuring mental wellness for employees through emotional support and benefits can help organisations build healthier and more productive teams.

What helps in improving the mental health of employees?

Nova provides a range of benefits including support groups, access to 1:1 therapy, regular emotional risk assessments and mental wellness workshops to help improve the mental health of employees by providing professional emotional support.

What can employers do for mental health?

Apart from providing a diverse and inclusive workspace, employers can invest in mental wellness benefits for their team - this includes providing access to personal therapy sessions, hosting mental wellness workshops, conducting support groups and much more. If you are an employer looking to improve your team’s mental well-being, schedule a call with us and we’ll find you the right solutions.

What are some employee mental wellness programs?

Examples of employee mental wellness programs include - peer support groups, mental wellness workshops, emotional risk assessments and personalised therapy sessions with professional therapists.

Why is mental health important for employees

A healthier employee is a happier employee. Mental wellness plays a huge role in the overall health and productivity of an employee. If employees choose to ignore their mental wellness, they might end up getting burnt out or suffering from serious mental ailments including depression and anxiety.


FAQs around our wide-range of fitness offerings.

Are the coaches and dieticians provided through Nova's offerings qualified?

Yes, all fitness coaches and dieticians are qualified

Will information regarding my personal health remain confidential?

All information shared with any coach or dietician will remain strictly confidential.

What is Nova's AI fitness bot?

This bot is your fitness companion and will make fitness a habit and workouts more fun for you and your team!

Is there a limitation on the number of fitness sessions I can book?

The number of sessions that can be booked by you varies depending on your membership plan with Nova. It can be both limited and unlimited.

Can I opt for both online and offline gym plans?

Your gym access depends on the services purchased by your company for your team.

How do you create a fitness challenge at work?

Nova’s AI fitness bot creates daily fitness challenges for your team based on which participants can also win awards! These challenges are shared every day on slack and the Nova portal or app.

Why should I invest in fitness subscriptions for my team?

Investing in fitness subscriptions for your employees can help them proactively take a step towards a healthier life through regular exercise, leading to lesser ailments and higher productivity.

Does Nova provide an online gym subscription?

Nova provides offline and online gym plans so that your employees can choose a plan that fits their routine the best.

Can Nova help me in providing functional training for employees?

Nova’s fitness subscriptions provide your team access to personalised functional & strength training, yoga classes and cross-functional training.

Platform for Employees

FAQs around how our portal and app caters to employees.

Does Nova have an app?

Yes, we do! Both for Android and iOS.

How long does it take for queries to be answered?

Our support team will get back to you with the first response in 5 minutes. Resolution time for queries is up to 48 hours.

Is a hard copy of the health insurance card required?

No, all relevant information can be accessed with the help of your health e-card which can be downloaded through the Nova app or portal.

Can employees raise claim requests through the Nova platform?

Yes, claim requests can be raised and even tracked through the Nova portal and app. All information required to raise a claim is also given within the Nova platform.

How can employees access wellness benefits booked through Nova?

All active wellness benefits can be viewed through the Nova portal or app. Detailed information on how to use each benefit is given within the Nova platform to ensure a seamless experience for all employees.

Platform for Employers

FAQs around how our portal and app caters to employers.

Can I add or remove members after onboarding?

Yes, employees can be added or deleted every month through automated endorsements after the inception of the policy

Can every employee directly raise claim requests through Nova?

Yes, they can log into their Nova account using the details provided to them during onboarding and raise a claim request against their employee insurance.

How can the G-Suite integration help HRs?

With G-Suite integration, new employee data such as name, joining date and email can be automatically fetched from G-Suite to the Nova Benefits platform, streamlining the onboarding process for HRs, and reducing manual data entry errors. This integration helps HRs in keeping the Nova Benefits platform updated with the latest employee information and ensures that the Insurer gets the correct data on time.

What is the response time for customer support at Nova?

Our support team will get back to you with the first response in 5 minutes. Resolution time for a query is up to 48 hours.

How are premiums calculated for additions?

Premiums are calculated on the policy rate, that is the rate at inception, and the calculations are always pro rata.

Do you get refunds for deletion of employee policies?

Deletion refunds are also calculated on a pro-rata basis and the refund amount is either credited to the client's bank account or CD account.

How do I pay for additions and deletions?

We create a Cash Depository (CD) account in the name of your company. In case of deletions, we credit your CD account with the balance. In case of additions, we debit your CD account with the required premium. Additionally you can pay to the insurer directly.

Is it necessary to open a CD Account?

Not necessary but it is always advisable to open one as it helps in emergency inclusions.

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