If your queries are still unresolved, feel free to reach out to us at support@nova-benefits.com
FAQs around wellness packages, health insurance and other employee benefits.
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.
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.
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.
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.
Yes, we have an Android and iOS mobile app.
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.
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!
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
According to the IRDAI, a minimum of seven employees are required to provide group health insurance.
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.
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.
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.
The premium paid to provide a group insurance policy for employees in India can be deemed as a business expense. The Indian Income Tax Act of 1961 considers this expense to be 100% tax-deductible.
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.
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.
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
Once you have exhausted your base coverage amount, the super top-up 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 amount as compared to regular policies
Super top-up 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.
Any premiums paid for super top-up plans are eligible for tax deduction under section 80D for up to 25,000 per year.
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.
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.
You can raise a claim for the super top-up under your 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.
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.
We ask for your personal email when you sign up. If you leave the organization, you can contact Nova to make your personal email the primary email for your super top-up policy.
The top-up policy is independent of your base policy provided by your employer. In case, you leave your current workplace, then 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 policy will have a deductible of 5 lakh. Now 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 policy. In case, 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.
FAQs around Nova's Covid Wellness Plan for extensive pandemic coverage.
Covid Insurance is an insurance policy that covers the medical expenses incurred by a policyholder for the treatment of Covid-19.
If your company is registered with MCA, and has 7+ employees you can purchase group covid insurance.
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.
Home care treatments are covered in case of a premium covid insurance policy
Yes, but the extent of the coverage varies from policy to policy and the test needs to be prescribed by a doctor.
A teleconsultation is an instant way for doctors and patients to connect over a video call, voice call or text message.
Yes, they are. Additionally, you can read more about each doctor’s qualifications before booking an appointment with them.
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.
Yes, yes and YES! All information given to the doctor during the consultation will remain confidential.
Yes, you can repeat your consultation with a specific doctor as per your requirement.
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.
Emotional health check-ins are done as a preventive measure to evaluate how a person is doing mentally through a series of questions.
Emotional support groups are a safe space for you to discuss common emotional challenges with your team.
Yes, all therapists and counsellors are qualified.
All information shared with the therapist in personal sessions will remain confidential.
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.
Yes, all fitness coaches and dieticians are qualified
All information shared with any coach or dietician will remain strictly confidential.
This bot is your fitness companion and will make fitness a habit and workouts more fun for you and your team!
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.
Your gym access depends on the services purchased by your company for your team.
Yes, we do! Both for Android and iOS.
Our support team will get back to you with the first response in 5 minutes. Resolution time for queries is up to 48 hours.
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.
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.
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.
Yes, employees can be added or deleted every month through automated endorsements after the inception of the policy
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.
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.
Premiums are calculated on the policy rate, that is the rate at inception, and the calculations are always pro rata.
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.
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.
Not necessary but it is always advisable to open one as it helps in emergency inclusions.
