Health Insurance
What Is Group Health Insurance?
Group health insurance is an employer-arranged health cover for employees and sometimes their dependants.
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Understand the benefits that affect your salary, family, and claims.
Health Insurance
Plain-English guides on group cover, retail health insurance, claims, room rent, OPD, maternity, parents cover, and top-ups.
Employee Benefits
Understand corporate benefits, salary structure, HR communication, wellness benefits, and annual benefit reviews.
PF & Gratuity
Simple explainers for EPF, gratuity, leave encashment, and retirement-linked workplace benefits.
Tax Saving
Practical tax-saving basics for salaried employees, including HRA, 80C, NPS, EPF, and PPF comparisons.
Claims & Documents
Checklists and guides for cashless claims, reimbursement claims, claim rejection prevention, and documentation.
New Sections
Language-wise guides and research data, in one place.
Hindi Articles
सरल हिंदी में हेल्थ इंश्योरेंस, क्लेम दस्तावेज, PF और gratuity guides.
Data & Reports
Official source links, report library, and an Excel-friendly source sheet for future analysis.
AI Insurance Analysis
A deep-dive report on AI use cases, ROI, governance, vendors, and broker workflows.
Popular Tools
Calculators that make policy terms easier to reason about.
Use these as planning aids. Every result is an estimate and should be checked against current policy wording, salary structure, tax rules, and official documents.
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Gratuity Calculator
Estimate gratuity using last drawn basic plus DA, years of service, and the common 15/26 formula.
PF Maturity Calculator
Project EPF accumulation using monthly basic pay, contribution rates, annual growth, and interest assumptions.
Term Insurance Cover Calculator
Estimate life cover need from annual income, liabilities, goals, existing cover, and savings.
HRA Exemption Calculator
Compare actual HRA, rent minus 10 percent of salary, and metro or non-metro salary percentage.
80C Tax Saving Calculator
Track common old-regime 80C investments against the standard annual deduction limit.
Latest Guides
Fresh explainers for employee benefits and insurance decisions.
Health Insurance
Health Insurance
Group Health Insurance vs Personal Health Insurance
Understand the difference between employer-provided group cover and a retail health policy you buy directly.
Health Insurance
What Is Sum Insured in Health Insurance?
Sum insured is the maximum amount a health policy can pay in a policy year, subject to conditions.
Health Insurance
Room Rent Limit in Health Insurance
A room rent limit can reduce claim payment if the selected hospital room exceeds the eligible category.
Health Insurance
What Is Co-pay in Health Insurance?
Co-pay means the insured person pays a fixed percentage of the admissible claim amount.
Health Insurance
What Is Deductible in Health Insurance?
A deductible is the amount you must bear before the insurance benefit starts paying.
Compare Before You Decide
Group vs personal insurance, cashless vs reimbursement, base plan vs super top-up.
Comparison pages help you quickly understand the trade-offs before speaking with HR, insurer, TPA, or advisor.
Open comparisonsDownloads
Checklists you can print, save, or share with family.
Checklist
Health Claim Checklist
A practical list of documents and steps to keep ready before filing a cashless or reimbursement health claim.
Checklist
Employee Benefits Checklist
Use this during onboarding or annual renewal to review insurance, PF, gratuity, leave, wellness, and tax benefits.
HR Template
Corporate Insurance Renewal Checklist
A renewal planning checklist for HR teams reviewing group health insurance benefits.
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BenefitNest avoids guarantee language and treats finance and insurance as sensitive topics. Articles are written to help you ask better questions and verify the right documents.
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