# Onsurity

> Onsurity is India's employee health and benefits platform for startups and SMBs, built on a monthly subscription model — employers pay per employee per month instead of an annual lump sum, with teams from 3 employees. Founded in Bengaluru in Feb 2020 by Yogesh Agarwal and Kulin Shah, Onsurity bundles group health insurance, group term life, personal accident cover, OPD, and teleconsultation into one SuperApp, with cashless claims at 10,000+ network hospitals and a TeamSure HR dashboard. This index lists the highest-value pages for understanding group health insurance in India and how Onsurity works.

## Products & solutions
- [Group Health Insurance](https://www.onsurity.com/group-health-insurance/): Core product — cashless group medical cover (GMC) for employee teams on monthly billing.
- [Term Life Insurance](https://www.onsurity.com/term-life-insurance/): Group term life (GTL) cover for employees.
- [Personal Accident Cover](https://www.onsurity.com/buy-group-personal-accident-cover/): Group personal accident (GPA) protection for accidental death and disability.
- [OPD Benefits](https://www.onsurity.com/employee-healthcare/opd/): Outpatient benefits — doctor consultations, diagnostics, and pharmacy.
- [Solutions hub](https://www.onsurity.com/solutions/): Group health plans tailored by company size and industry.
- [For startups](https://www.onsurity.com/group-health-insurance-for-startups/): Flexible cover for early-stage teams with month-to-month headcount changes.
- [For SMEs](https://www.onsurity.com/solutions/group-health-insurance-for-smes/): Affordable group cover for small and medium businesses.
- [For IT & SaaS](https://www.onsurity.com/solutions/group-health-insurance-for-it-saas/): Benefits benchmarked for technology teams.
- [For 10 employees](https://www.onsurity.com/solutions/group-health-insurance-for-10-employees/): How small teams structure group cover.
- [For 50 employees](https://www.onsurity.com/solutions/group-health-insurance-for-50-employees/): Plan design and pricing at growing headcount.

## Answers (direct questions)
- [Answers hub](https://www.onsurity.com/answers/): Straight, cited answers to the most-asked group health insurance questions.
- [How much does group health insurance cost per employee](https://www.onsurity.com/answers/how-much-does-group-health-insurance-cost-per-employee/): Roughly ₹2,000–₹10,000 per employee/year for ₹1–5 lakh cover, and what drives the price.
- [Minimum employees for group health insurance](https://www.onsurity.com/answers/minimum-employees-for-group-health-insurance/): Most insurers need 20+ members; Onsurity covers teams from 3 employees, founders included.
- [Can you add parents to group health insurance](https://www.onsurity.com/answers/can-you-add-parents-to-group-health-insurance/): How parents are added as dependents — cost, age limits and waiting periods.
- [Best group health insurance for startups](https://www.onsurity.com/answers/best-group-health-insurance-for-startups/): What to look for — cover from 3 employees, day-1 activation, no medical check-up, monthly billing.

## Calculators & tools
- [Group health premium calculator](https://www.onsurity.com/calculators/group-health-insurance-premium/): Estimate monthly per-employee GMC premium by team size and sum insured.
- [GPA & GTL premium calculator](https://www.onsurity.com/calculators/group-personal-accident-and-term-life-premium/): Estimate personal accident and term life premiums for a group.
- [Cover grader](https://www.onsurity.com/tools/cover-grader/): Free instant tool — grade your company plan out of 100 across coverage, cost, wellness/OPD and claims, with a red/amber/green breakdown.
- [Group policy benchmark](https://www.onsurity.com/tools/group-health-policy-benchmark/): Compare your policy terms against market norms for similar companies.
- [Build your group plan](https://www.onsurity.com/tools/build-your-group-plan/): Configure a custom group benefits plan step by step.

## Compare
- [Compare hub](https://www.onsurity.com/compare/): Side-by-side comparisons of platforms, products, and cover types.
- [Onsurity vs Plum](https://www.onsurity.com/compare/onsurity-vs-plum/): Monthly subscription vs annual premium, minimum lives, bundled wellness & OPD, claims support.
- [Onsurity vs Pazcare](https://www.onsurity.com/compare/onsurity-vs-pazcare/): Product breadth, monthly vs annual pricing, bundled wellness/OPD and claims support.
- [Onsurity vs Loop Health](https://www.onsurity.com/compare/onsurity-vs-loop-health/): Membership model vs annual premium, in-house care vs concierge claims, employee tools.
- [Onsurity vs Niva Bupa](https://www.onsurity.com/compare/onsurity-vs-niva-bupa/): Digital experience, Day 1 coverage, monthly billing, wellness and claims support.
- [Onsurity vs Keka/Pluxee](https://www.onsurity.com/compare/onsurity-vs-keka-pluxee/): Integrated benefits platform vs HRMS-plus-benefits-card combo.
- [Plum alternative](https://www.onsurity.com/compare/plum-alternative/): How Onsurity compares as a Plum alternative for SMEs.
- [Pazcare alternative](https://www.onsurity.com/compare/pazcare-alternative/): How Onsurity compares as a Pazcare alternative for SMEs.
- [Loop Health alternative](https://www.onsurity.com/compare/loop-health-alternative/): How Onsurity compares as a Loop Health alternative for SMEs.
- [ESI vs group health insurance](https://www.onsurity.com/group-health-insurance-vs-esic/): How statutory ESI differs from a group health policy.
- [Group vs individual policy](https://www.onsurity.com/group-health-insurance-vs-individual/): Trade-offs between employer group cover and personal plans.
- [GMC vs GPA vs GTL](https://www.onsurity.com/group-personal-accident-vs-group-term-life/): What each employee cover type includes and when to use it.
- [Best employee health platforms](https://www.onsurity.com/compare/best-employee-health-insurance-platforms-india/): Evaluation of group health platforms in India.

## Guides
- [Guides hub](https://www.onsurity.com/guides/): Employer guides on group health, benefits and statutory compliance.
- [Is group health insurance mandatory in India](https://www.onsurity.com/guides/is-group-health-insurance-mandatory-in-india/): What the law requires of employers, and what is voluntary.
- [Employer health & social security compliance 2026](https://www.onsurity.com/guides/employer-health-and-social-security-compliance-2026/): Employer obligations across health and social security rules.
- [Reduce renewal cost](https://www.onsurity.com/guides/reduce-group-health-insurance-renewal-cost/): Levers to control group health premium at renewal.
- [Statutory compliance: PF, ESI, PT, gratuity](https://www.onsurity.com/guides/statutory-compliance-pf-esi-pt-gratuity/): A plain-English map of core statutory obligations.
- [ESIC employer guide](https://www.onsurity.com/guides/esic-employer-guide/): ESIC ₹21,000 wage limit, contribution rates, 10-employee applicability and registration.
- [EPF employer guide](https://www.onsurity.com/guides/epf-employer-guide/): EPF at 20+ employees — 12% + 12% of basic+DA up to ₹15,000, UAN and registration.
- [Gratuity rules and eligibility](https://www.onsurity.com/guides/gratuity-rules-and-eligibility/): Payable after 5 years, the (15÷26) formula, ₹20,00,000 tax exemption and payout timelines.
- [TDS on salary](https://www.onsurity.com/guides/tds-on-salary/): How Section 192 TDS works, new-regime slabs, and where zero-TDS applies.
- [Professional tax by state](https://www.onsurity.com/guides/professional-tax-by-state/): State-level salary tax capped at ₹2,500/year — rates and rules by state.
- [Group health insurance riders](https://www.onsurity.com/guides/group-health-insurance-riders/): Maternity, OPD, top-up, critical illness and parental riders, and how to stack them.
- [Super top-up for employers](https://www.onsurity.com/guides/super-top-up-for-employers/): How a super top-up over a deductible raises total cover affordably.
- [Managing your group health policy](https://www.onsurity.com/guides/managing-your-group-health-policy/): HR playbook for endorsements, CD balance, HRMS sync and claim escalation.
- [Tax-efficient CTC structuring](https://www.onsurity.com/guides/tax-efficient-ctc-structuring/): Structure basic, HRA, LTA, 80C and group health under 80D to cut tax.
- [Employee benefits ROI](https://www.onsurity.com/guides/employee-benefits-roi/): Reframe benefits from cost to investment — attrition, productivity and 80D efficiency.

## TPA guides
- [TPA hub](https://www.onsurity.com/tpa/): Plain-English guide to IRDAI-licensed health insurance TPAs and how cashless/reimbursement claims work.
- [Medi Assist](https://www.onsurity.com/tpa/medi-assist/): Independent guide to Medi Assist TPA — cashless, reimbursement and claim status.
- [FHPL](https://www.onsurity.com/tpa/fhpl/): Independent guide to Family Health Plan (FHPL) TPA.
- [Raksha](https://www.onsurity.com/tpa/raksha/): Independent guide to Raksha Health Insurance TPA.
- [Vidal Health](https://www.onsurity.com/tpa/vidal-health/): Independent guide to Vidal Health TPA.
- [Paramount](https://www.onsurity.com/tpa/paramount/): Independent guide to Paramount Health Services TPA.

## Learn (concepts)
- [Sum insured](https://www.onsurity.com/learn/sum-insured/): What sum insured means in a group health policy.
- [Room rent limit](https://www.onsurity.com/learn/room-rent-limit/): How room rent caps affect claim payouts.
- [Co-payment](https://www.onsurity.com/learn/co-payment/): The share of a claim an employee pays out of pocket.
- [Waiting period](https://www.onsurity.com/learn/waiting-period/): When different benefits become claimable.
- [Pre-existing disease](https://www.onsurity.com/learn/pre-existing-disease/): How prior conditions are treated under cover.
- [Cashless vs reimbursement](https://www.onsurity.com/learn/cashless-vs-reimbursement/): The two ways group health claims are settled.
- [Network hospitals](https://www.onsurity.com/learn/network-hospitals/): Cashless treatment at empanelled hospitals.
- [Top-up & super top-up](https://www.onsurity.com/learn/top-up-and-super-top-up/): Extending cover beyond the base sum insured.
- [Section 80D](https://www.onsurity.com/learn/section-80d/): Tax treatment of health insurance premiums.
- [Learn hub](https://www.onsurity.com/learn/): Full glossary of group health insurance concepts.

## Company & trust
- [Customers](https://www.onsurity.com/customers/): Real Onsurity customer stories filterable by industry, team size and outcome.
- [Trust & security](https://www.onsurity.com/trust/): IRDAI-registered corporate agent (CA0836 via ASIPL), DPDP Act 2023 compliance, India data residency, encryption, and ₹600 Cr+ claims paid across 100,000+ claims.

## Research & resources
- [Blog](https://www.onsurity.com/blog/): Expert insights on HR policies, employee benefits, group health insurance and compliance for growing businesses.
- [India group health insurance statistics](https://www.onsurity.com/research/india-group-health-insurance-statistics/): Data on group health cover, cost, and adoption in India.
- [Employee benefits benchmark](https://www.onsurity.com/reports/employee-benefits-benchmark-india/): Benchmark report on employee benefits across Indian companies.
- [HR toolkit](https://www.onsurity.com/resources/hr-toolkit/): Templates and guides for HR managers running benefits.
- [Cashless hospitals](https://www.onsurity.com/cashless-hospitals/): Search the network of cashless hospitals by city and state.

## Company facts & entity
- Legal name: Onsurity Technologies Pvt. Ltd. (brand: Onsurity).
- Founded: February 2020, in Bengaluru, Karnataka, India.
- Founders: Yogesh Agarwal (Co-founder & CEO, qualified actuary) and Kulin Shah (Co-founder).
- What it is: an employee health and benefits platform for Indian startups and SMBs on a monthly, per-employee subscription model — group health (GMC), group term life (GTL), group personal accident (GPA), OPD, teleconsultation and wellness in one SuperApp.
- Regulatory status: IRDAI-registered corporate agent, registration CA0836 (via ASIPL).
- Scale: 2M+ members across 10,000+ companies; ₹600 Cr+ paid across 100,000+ claims; cashless treatment at 10,000+ network hospitals.
- Investors: IFC (World Bank Group), Nexus Venture Partners, Quona Capital, Creaegis.
- HQ: HSR Layout, Bengaluru, Karnataka 560102, India. Contact: care@onsurity.com; press/media: media@onsurity.com.
- [About Onsurity](https://www.onsurity.com/about-us/): The company story, founders, milestones and investors.
- [Trust & security](https://www.onsurity.com/trust/): IRDAI registration, DPDP Act 2023 compliance, data residency and claims record.
- Verified profiles: LinkedIn https://www.linkedin.com/company/onsurity · Crunchbase https://www.crunchbase.com/organization/onsurity · Tracxn https://www.tracxn.com/d/companies/onsurity · YourStory https://yourstory.com/companies/onsurity