One corporate account. Twelve months. Zero spreadsheets.
This is the policy year of a 1,200-employee GMC account run on DeployIT, month by month.
In short: a group health insurance platform digitizes employer-sponsored cover (GMC): multi-insurer quoting, member enrolment, monthly endorsements, e-cards and claims tracking. Group covers lead India's health market with a 43%+ share (Mordor Intelligence, 2025).
The policy-year calendar
Before month 1, RFQ season: the census is uploaded once, structured quotes arrive from 6 insurers, and a branded comparison deck goes to the client. Decision in days, not email weeks.
1Month
Go-live
1,200 members and dependents enrolled via a validated portal; e-cards in every employee's phone wallet on day one.
2Month
First endorsements
14 joiners and 6 leavers sync from the HRMS; pro-rata premium computed; CD account debited and tracked.
3Month
First claims
Two hospitalizations: cashless pre-auths approved in hours; HR watches status without calling anyone. Claims tracking.
4Month
The CD alert
The balance projection flags a top-up needed in 6 weeks, before the insurer freezes endorsements.
5Month
Wellness window
The member app pushes a network-hospital finder and top-up offers to employees; retail cross-sell begins.
6Month
Mid-year review
The claims-ratio dashboard auto-generates the client review deck: utilization, top claim categories, member NPS.
7Month
Quiet month
Endorsements run themselves.
8Month
Still quiet
This is the point.
9Month
Escalation handled
A deficiency-flagged reimbursement gets resolved in-app; HR never escalates to the broker's CEO.
10Month
Renewal prep
Loss-ratio analytics and member growth model the renewal premium; the negotiation pack is ready. Renewal automation.
11Month
Renewal placed
Re-quote across insurers with full claims history attached; terms improved.
12Month
Rollover
Members, dependents and waiting-period credits carry over cleanly. The account renews, and refers two more.
Who runs this calendar
Brokers running corporate accounts at scaleBanks cross-selling to SME current accountsHR and payroll platforms embedding GMC
Spec sheet
- Group sizes
- 25 to 50,000+ members
- Policy lines
- GMC, GPA and GTL on one member spine
- HRMS sync
- Optional, with automatic joiner and leaver feeds
- HR self-serve
- Maker-checker controls on every endorsement
- CD account
- Tracking with balance projections and top-up alerts
- Member app
- E-cards, hospital search, claim intimation and tracking
Frequently asked questions
What group sizes work?
Can HR self-serve endorsements?
Do employees get an app?
GPA and GTL too?
Put your next corporate account on this calendar
We'll walk a live GMC account from RFQ to rollover, with your group sizes and your insurer panel.