Insurance that’s customised to protect your employees

Affordable prices, world-class coverage, round-the-clock support and much more

We go beyond traditional practices to safeguard your team

Nova Benefits

Employee portal, admin portal, iOS and android app
Tech-first, real-time claims tracking experience for employees
C/D statement visibility at all times
24x7 helpline, dedicated support team, chat support
Endorsement automation through HRMS integration
Voluntary super top-ups, GMC top-ups, premium add-ons
Monthly utilisation reports on claims
v.s

Traditional Brokers

No App
No digital claims tracking, manual interference
On request
Not available
No automation, manual interference
Cannot be purchased digitally via an app
Not available

What do we ensure when we insure you and your team?

Health e-cards

Your health e-card can be easily downloaded from the Nova portal or app

Policy enhancement options

Add-ons such as HIV, Bereavement, IPD, LGBTQ and air ambulance coverage available

Reduced employee queries

Employees can find every detail related to their benefit on the Nova portal

Fair price guarantee

We work with multiple insurers to bring you the best rates

Easy-to-use platform

Nova’s platform has been designed to provide instantaneous support

Raise a claim in 5 minutes

Use the Nova app or portal to raise both cashless and reimbursement claim requests in just a few clicks

Health e-cards

Your health e-card can be easily downloaded from the Nova portal or app

Policy enhancement options

Add-ons such as HIV, Bereavement, IPD, LGBTQ and air ambulance coverage available

Reduced employee queries

Employees can find every detail related to their benefit on the Nova portal

Fair price guarantee

We work with multiple insurers to bring you the best rates

Easy-to-use platform

Nova’s platform has been designed to provide instantaneous support

Raise a claim in 5 minutes

Use the Nova app or portal to raise both cashless and reimbursement claim requests in just a few clicks

Health e-cards

Your health e-card can be easily downloaded from the Nova portal or app

Policy enhancement options

Add-ons such as HIV, Bereavement, IPD, LGBTQ and air ambulance coverage available

Reduced employee queries

Employees can find every detail related to their benefit on the Nova portal

Fair price guarantee

We work with multiple insurers to bring you the best rates

Easy-to-use platform

Nova’s platform has been designed to provide instantaneous support

Raise a claim in 5 minutes

Use the Nova app or portal to raise both cashless and reimbursement claim requests in just a few clicks

insurance offerings

Let us help you build a healthier and happier workspace

With insurance plans that beat industry standards

Group Health Insurance

Customised group health insurance plans that provide the necessary financial support to your employees

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Superior claims experience

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Seamless onboarding

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Inclusive and flexible

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Huge tax savings

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Self-service employee portal

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Super Top-Ups

Increase your base health policy coverage to up to  ₹20L extra in just 2 minutes with Nova’s super top-ups

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Pandemic coverage

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Instant activation

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Paperless online process

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Tax savings

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Universal coverage

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Group Covid Insurance

Nova’s covid specific group insurance provides protection against a variety of medical expenses incurred due to the virus

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Contact-less claims

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Reduced expenses

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Affordable premium rates

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Covid vaccination drives

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Extensive coverage

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Driven by our customer's needs

"Nova is truly a new-age insurance partner, and since it is also venturing into the wellness space, I am sure any HR would want to partner with Nova Benefits as a one-stop solution for everything health."

Rashi Shetty, HRBP

"The onboarding with Nova was the best experience we've had in the 5 years we've been taking a corporate health policy. The user interfaces having the policy details was intuitive.”

Lalit Valecha, Co-Founder

“Through Nova, we were able to help Zuddlers in time of need. Nova team has demonstrated the qualities of empathy and compassion over and over again!”

Abhay Ranjan, People Operations

“The team at Nova moves fast and was able to build a deep understanding of our organisation's needs. Great onboarding experience and hosts of benefits for the team!”

Mihir Gupta, Co-Founder and CEO

“The Snapdeal team has had a great experience with Nova. We've been with them for 2 years consecutively! Apart from insurance, they helped us with vaccination and geriatric care for our employees’ parents”

Kunal Bahl, Co-Founder and CEO

COMPREHENSIVE GROUP HEALTH INSURANCE COVERAGE FROM TOP INSURERS

Got questions?
We've got answers

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

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

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.

What is the cost of a group health insurance policy?

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.

Are there any tax benefits for group health insurance?

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.

What is a super top-up plan?

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 a super top-up plan?

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.

Are there any age limits or restrictions for super top-ups?

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.

Does a super top-up plan give me any additional tax benefits?

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

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.

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