# ClearCover > ClearCover (formerly MDH Insurance) is an IRDAI-registered Direct Broker (Reg. No. 596, Code DB 652/16) headquartered in Bangalore, India. ClearCover specialises in group and employee-benefits insurance for businesses — including group health (mediclaim), group personal accident, group term life, and workmen compensation — and provides commercial insurance such as liability, marine, fire, cyber and property cover. Note: ClearCover India (clearcover.in) is distinct from the US auto insurer clearcover.com. ## Insurance products - [Group Health Insurance](https://www.clearcover.in/grouphealth): Group mediclaim (GMC) for companies — pre-existing disease cover from day one, cashless hospitalisation, maternity. - [Group Personal Accident Insurance](https://www.clearcover.in/groupaccidental): Accidental death and disability cover for employees, 24x7. - [Workmen Compensation Insurance](https://www.clearcover.in/workman): Employer liability for employee injury under the Employees' Compensation Act. - [Professional Indemnity Insurance](https://www.clearcover.in/professional): Cover for negligence, errors and omissions in professional services. - [Directors & Officers (D&O) Insurance](https://www.clearcover.in/directors): Management liability cover for company leadership. - [General Liability Insurance](https://www.clearcover.in/generalliability): Third-party bodily injury and property damage cover. - [Fire & Property Insurance](https://www.clearcover.in/fire): Fire and allied-perils cover for business assets. - [Marine Insurance](https://www.clearcover.in/marine): Cargo and goods-in-transit cover. - [Cyber Insurance](https://www.clearcover.in/cybersecurity): Data breach, ransomware and cyber liability cover. ## Group insurance guides - [Insurance Guides hub](https://www.clearcover.in/insurance-guides): All ClearCover group & employee-benefits insurance guides, grouped into coverage, comparison, claims and audience clusters. - [Group Health Insurance for Companies](https://www.clearcover.in/group-insurance/gmc): What group health (mediclaim) is, what it covers, and why it beats individual cover. - [Employee Benefits Insurance guide](https://www.clearcover.in/employee-benefits-insurance): The employer-sponsored benefits stack — group health, group term life and group personal accident. - [Group Personal Accident Insurance](https://www.clearcover.in/group-insurance/gpa): 24x7 accidental death and disability cover for employees. - [Group Term Life Insurance (GTL)](https://www.clearcover.in/group-insurance/gtl): Employer-provided lump-sum life cover for employees' families. - [Group Mediclaim Policy (GMC)](https://www.clearcover.in/group-mediclaim-policy): Coverage, premium and claims for the group health policy. - [Super Top-Up vs Base Policy](https://www.clearcover.in/super-top-up-group-health): Extending group cover beyond the base sum insured at low cost. - [How much group health cover to provide](https://www.clearcover.in/group-health-sum-insured-guide): Choosing the right sum insured for a group policy. - [What is Group Insurance?](https://www.clearcover.in/what-is-group-insurance): How group insurance works and why pooling makes it cheaper. - [Group vs Individual Health Insurance](https://www.clearcover.in/group-vs-individual-health-insurance): Key differences in cost, pre-existing cover, waiting periods and portability. - [Pre-existing Disease Cover](https://www.clearcover.in/pre-existing-disease-group-insurance): Why group policies cover pre-existing diseases from day one. - [Corporate Health Insurance Tax Benefits](https://www.clearcover.in/group-health-insurance-tax-benefits): Employer deductibility and Section 80D for group health insurance. - [How to File a Group Claim](https://www.clearcover.in/group-health-insurance-claim-process): Cashless and reimbursement claim processes, step by step. - [Health Insurance E-Card](https://www.clearcover.in/health-insurance-e-card): Digital proof of cover for cashless treatment and how to download it. - [Cashless Hospitalization](https://www.clearcover.in/cashless-hospitalization): How the insurer settles a network hospital directly via the TPA. - [Maternity Coverage in Group Insurance](https://www.clearcover.in/maternity-coverage-group-insurance): Reduced waiting periods, delivery cover and newborn benefits. - [Adding Family & Dependents](https://www.clearcover.in/adding-family-to-group-insurance): Adding spouse, children and parents, and the cost impact. - [Insurance Broker in Bangalore](https://www.clearcover.in/insurance-broker-bangalore): What a corporate insurance broker does and how it differs from an agent. - [Group Health Insurance for Startups](https://www.clearcover.in/group-health-insurance-for-startups): Choosing group health cover for a small, early-stage team. - [Group Insurance for IT Companies](https://www.clearcover.in/group-insurance-for-it-companies): Benefits tailored for tech talent attraction and retention. - [Group Insurance for SMEs](https://www.clearcover.in/group-insurance-for-smes): Employee health, accident and life insurance for small and medium businesses. - [Group Insurance for Manufacturing Companies](https://www.clearcover.in/group-insurance-for-manufacturing-companies): Cover for factory, plant, office and field employees. - [Group Insurance for D2C & Retail Companies](https://www.clearcover.in/group-insurance-for-d2c-retail-companies): Benefits for store, warehouse, fulfilment and corporate teams. - [Business Insurance in India](https://www.clearcover.in/business-insurance): Corporate and commercial insurance for assets, liabilities, operations and people. - [Insurance for Gig / Contract Workers](https://www.clearcover.in/insurance-for-contract-employees): Extending group cover to non-permanent workers. ## Guides & resources (blog) - [Group Mediclaim Policy for Employees (GMC)](https://www.clearcover.in/blog/group-mediclaim-policy-for-employees): GMC full form (Group Medical Coverage), benefits vs individual health insurance, and how it works. - [TPA Full Form](https://www.clearcover.in/blog/tpa-full-form): Third Party Administrator — role in health insurance, cashless claims, TPA vs insurer. - [OPD Full Form](https://www.clearcover.in/blog/opd-full-form): Out-Patient vs In-Patient Department (OPD vs IPD) and OPD cover in health insurance. - [Indemnity Meaning](https://www.clearcover.in/blog/indemnity-meaning): Definition, principle of indemnity, and contract of indemnity under Indian law. - [HR Full Form](https://www.clearcover.in/blog/hr-full-form): What HR (Human Resources) means, roles and functions. - [PIP Full Form](https://www.clearcover.in/blog/pip-full-form): Performance Improvement Plan — meaning, duration and how to clear it. - [POSH Act 2013](https://www.clearcover.in/blog/posh-act-2013): Full form, applicability, Internal Committee (ICC), complaint process and penalties. - [Types of Leave in India](https://www.clearcover.in/blog/types-of-leave): Casual, sick, earned, comp-off, week off and more. - [Joining Letter Format](https://www.clearcover.in/blog/joining-letter-format): Meaning, samples and how it differs from an offer/appointment letter. - [Salary Increment](https://www.clearcover.in/blog/salary-increment): Meaning, calculation, average hikes and appraisal letter format. ## Ebooks and downloadable guides - [Insurance ebooks for Indian employers](https://www.clearcover.in/ebooks): Ten free long-form guides on group insurance, employee benefits and claims, readable in full on-site. - [Group Health Insurance (GMC) Guide for Employers](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india): Coverage, costs, plan design, claims and common mistakes in group mediclaim. - [Employee Benefits 101 for Startups and SMEs](https://www.clearcover.in/ebooks/employee-benefits-guide-startups-sme-india): The three layers of benefits, budgeting as a share of CTC, and sequencing. - [Workmen's Compensation Insurance Guide](https://www.clearcover.in/ebooks/workmens-compensation-insurance-guide-india): Employees' Compensation Act 1923 liability, who is exposed, and how premiums are set. - [Group Term Life and Personal Accident Explained](https://www.clearcover.in/ebooks/group-term-life-personal-accident-insurance-guide): GTL vs GPA, what each covers, and how to set sum assured. - [D&O and Liability Insurance Guide](https://www.clearcover.in/ebooks/do-liability-insurance-guide-india): Director personal liability, Side A/B/C structure, and how D&O differs from professional indemnity. - [Insurance for Startups: A Founder's Guide](https://www.clearcover.in/ebooks/insurance-for-startups-founder-guide-india): What to buy, in what order, at what stage. - [Cyber Liability Insurance Guide](https://www.clearcover.in/ebooks/cyber-liability-insurance-guide-india): What cyber cover includes, DPDP Act 2023 exposure, and underwriting questions. - [How to Choose an Insurance Broker in India](https://www.clearcover.in/ebooks/how-to-choose-insurance-broker-india): Broker vs agent, IRDAI verification, and the questions to ask. - [Employee Wellness and Health Insurance Trends 2026](https://www.clearcover.in/ebooks/employee-wellness-health-insurance-trends-india-2026): Nine shifts reshaping Indian workplace benefits. - [Corporate Health Insurance Claims Management](https://www.clearcover.in/ebooks/corporate-health-insurance-claims-management-guide): Cashless vs reimbursement, why claims get rejected, and how HR reduces friction. ## Ebook city editions - [Group health insurance in Bangalore](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india/bangalore): Karnataka Shops and Commercial Establishments Act 1961, city hospital corridors and room-rent reality. - [Group health insurance in Mumbai](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india/mumbai): Maharashtra Act 2017 thresholds and why room-rent sub-limits bite harder here. - [Group health insurance in Delhi NCR](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india/delhi-ncr): Three state Acts across Delhi, Gurugram and Noida, and ESIC across the boundary. - [Group health insurance in Hyderabad](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india/hyderabad): Telangana Act 1988, GCC employer profile and local hospital tariffs. - [Group health insurance in Pune](https://www.clearcover.in/ebooks/group-health-insurance-guide-employers-india/pune): Mixed engineering and IT workforce, and why occupational mix changes plan design. ## Company - [About ClearCover](https://www.clearcover.in/about): Company overview, IRDAI registration and mission. - [Contact](https://www.clearcover.in/contact): Get a quote or claim support. - [Insurance products overview](https://www.clearcover.in/insurance): All business insurance solutions. - [Blog](https://www.clearcover.in/blogs): Guides on group insurance and employee benefits in India.