Group medical
Group medical (GMC) is the employer-paid hospitalisation cover for an Indian workforce and, usually, their families — a floater or per-member sum insured, administered through a TPA, priced on the group's own claims experience. It is the largest employee-benefits line by premium and the one every renewal conversation starts with.
Deepest line — experience baseline, 42-question intake, benefit-level comparison · Updated 2026-09-05
Your renewal, priced from your client's own claims before the first insurer replies.
What the RFQ captures
- Three years of claims with paid and outstanding split, by benefit head
- Lives at inception and as-on-date, and the family definition — up to two sets of parents
- Room-rent basis, co-pay, sub-limits, corporate buffer, waiting-period waivers
- The expiring insurer, TPA, premium and terms — the starting point, not a blank form
- A cover-wanted section drawn from a 152-benefit universe, so every insurer answers the same list
- Delivered in the order an insurer's own RFQ wizard expects it: basic information, demographics, benefits and add-ons, then review — pre-filled from the documents rather than typed
What changes for the broker
The client forwards last year’s schedule, the employee list and the TPA’s claims MIS. Bridge reads all three: the schedule fills the questionnaire, the list becomes a census with lives, families, age bands and plan classes, and the claims file is classified into benefit heads — maternity, OPD, dental, the rest. From that, an experience baseline: what the scheme is likely to cost next year, line by line, with every assumption visible.
The RFQ pack goes out as one document every insurer answers in the same shape, benefit by benefit. Replies are read straight from the email into a comparison grid: room rent, co-pay, maternity, parents, waiting periods — better, worse or matches, on every term. The recommendation is drafted for the client to read and sign.
Why group medical first
It is the one commercial line where a broker can be genuinely predictive. Every other line yields a benchmark; group medical yields a number, because it is rated on the client’s own experience. Bridge’s 42-field Indian questionnaire and 152-benefit universe exist for this line before any other.
Questions
Can Bridge quote group medical?
No. Bridge computes the broker's own experience baseline as a reference and structures the RFQ so quotes come back comparable. Insurers quote; a licensed person binds.
Which TPAs and family definitions does it know?
The masters carry 24 Indian TPAs and six relations — employee, spouse, children, parents, parents-in-law and siblings — so floater and per-member constructs with two sets of parents are first-class, not a workaround.
What does the client have to send?
The expiring schedule, the employee list and the claims MIS in whatever format the TPA exports. Bridge learns each TPA's column layout and confirms the mapping with you once.