Buy Group Health Insurance for Employees
Our customised group health plans provide comprehensive wellness benefits for your employees and their families
Empowering teams through comprehensive and affordable group coverage
Group Health Insurance generally known as Group Medical Cover or Group Mediclaim Policy, which has become a safety measure for millions of Indians. As India gears up to become one of the most rapidly expanding insurance markets in the next decade, the significance of Group Health Insurance is expected to grow even further.
With the government mandating health insurance for all employees across companies post-COVID, the demand for Group Health Insurance is on the rise. These plans often offer coverage not only for employees but also extend to their spouses and dependent children, ensuring comprehensive protection for families.
What is Group Health Insurance?
Group Health Insurance (GHI) is a type of health insurance policy that offers coverage to a group of people, typically employees of a company or members of an organisation. It is a cost-effective and convenient way for employers to provide health insurance benefits to their employees, as the risk is spread across a group of individuals.
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Key Features of Group Health Insurance Benefits with Onsurity Membership
Disclaimer: Specific features and coverage may vary depending on the plan chosen by the group or employer. Carefully reviewing the plan inclusions and exclusions before enrolling is crucial.
Why is Group Health Insurance Required?
In India, healthcare expenses are growing at an alarming rate. A single serious illness can deplete a lifetime of savings. With people paying 62% of healthcare costs out of pocket, strong health insurance is a must. An average Indian household spends 7.9% of its annual income on medical expenses. It’s no longer a choice. Source: PubMed Central
With rising healthcare costs , companies must prioritise employee well-being to enable a strong, healthy and motivated workforce. It supports employees’ health and reassures them that their employer cares for their well-being thereby boosting loyalty and productivity, cultivating a happier, more secure future for all.
Who Should Buy Group Health Insurance?
A tailored group health insurance plan benefits can be a game-changer, whether you’re running a startup or a larger corporation.
Advantages of Group Health Insurance
Healthcare benefits can be highly valuable for both employers and employees. Here are some of the benefits of offering Group Health Insurance:
Overall, offering healthcare benefits can be a win-win for both employers and employees. Employers can attract and retain employees, improve productivity and morale. Employees can access affordable healthcare, and feel valued and supported by their employer.
What’s covered in Group Health Insurance?
Depending on the plan, it may cover various room categories (single, twin, etc.)
Consultation charges by specialists and surgeons within network and non-network hospitals.
Charges for nursing services during hospitalisation.
Hospitalisation for treatment of psychiatric illnesses if necessitated is covered.
Coverage for necessary X-rays, blood tests, and other diagnostic procedures.
Costs associated with surgical procedures.
Depending on the plan, coverage for pre-existing conditions may be available.
Diagnostic tests, consultations, and medications in a certain period before hospitalisation. Typically, this is covered as mentioned in the health insurance policy.
Day care treatment refers to medical treatment, and/or surgical procedure which is undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hrs.
Medications, physiotherapy sessions, and follow-up consultations for a specific period after discharge. Typically, this is covered for as mentioned in the health insurance policy.
Transportation costs by ambulance to the hospital in case of emergencies may also be covered based on the policy terms and conditions.
Additional Inclusions (Vary by Plan)
Depending on the plan, it may cover various room categories (single, twin, etc.)
Charges for nursing services during hospitalisation.
Consultation charges by specialists and surgeons within network and non-network hospitals.
Coverage for necessary X-rays, blood tests, and other diagnostic procedures.
What’s not covered in Group Health Insurance?
While Group Health Insurance offers valuable protection, it’s essential to understand what is not covered. Here are some common exclusions:
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Self-inflicted injuries and intentional harm
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Experimental or investigational treatments
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Cosmetic and aesthetic treatments
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Outpatient expenses
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Normal childbirth and routine pregnancy expenses
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Addiction treatment
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Dental and vision care
Ideal Healthcare Plans by Onsurity that Include Group Health Insurance
Standard Health plans by Onsurity are just a starting point.
What sets these plans apart is that they can be customised in whatever way you like, to fit your organisation’s exact needs.
Customise Your PlanWhat are the Eligibility Criteria to Purchase Onsurity Membership with Group Health Insurance?
The company must be registered in India and must have a valid GST number. This includes a private limited company, LLP, partnership, or sole proprietorship.
The company must be registered in India and must have a valid GST number. This includes a private limited company, LLP, partnership, or sole proprietorship.
The company must be registered in India and must have a valid GST number. This includes a private limited company, LLP, partnership, or sole proprietorship.
The company must be registered in India and must have a valid GST number. This includes a private limited company, LLP, partnership, or sole proprietorship.
How to Apply for a Group Health Insurance Claim in the Onsurity Membership?
Raising a cashless or reimbursement claim is an easy process that can be done on the Onsurity Super App. Checking for Network Hospitals to avail cashless facility is also made easier in the ‘Search Cashless Hospitals’ section.
Here’s a ready-reference step-by-step guide to the claim-raising process.
Disclaimer: Onsurity acts as a group administrator, offering support during cashless requests and claims reimbursement processes. However, the ultimate authority for the approval, validation, and payment of claims lies with the insurance company. Additionally, the list of hospitals within the network is subject to change and is updated periodically. Therefore, it is advisable to verify the availability of cashless services by inquiring at the hospital’s insurance counter before admission, to prevent any unforeseen complications.
Step 1: Log In
Log in to the Onsurity Super App using the registered mobile number. Under “Health Insurance” please go to ‘Hospitalisation Assistance’. Click on ‘Raise a request’. Fill in the necessary details and ‘Submit’. The request reaches the Good Doctors team at Onsurity, who will get back to you and explain the details of the cashless process.
Step 2: Pre-Authorisation Approval
The member is expected to submit the mentioned documents at the insurance counter or the TPA desk of the hospital. The hospital then raises a cashless request. The member will wait for the pre-authorisation approval for the suggested treatment.
Step 3: Review by TPA/Insurer
Once you submit your documents to the TPA/insurer, they’ll examine them carefully. Depending on their assessment, they’ll communicate one of three possibilities: either there’s a shortfall in the documents, the initial claim is approved, or the claim is rejected. They’ll notify both the hospital and the member accordingly.
Step 4: Final Bill and Discharge Summary
Once the treatment is done, the hospital will provide you with the final discharge summary and all the bills. On the basis of your initial approval, the further discharge details will be shared with the insurer. Once the insurer finally verifies everything, you can pay the remaining standard non-admissisable items, co-pay, sub-limit excess etc. as per terms and conditions. Once everything is settled you will be discharged.
Step 1: Log In
Log in to the Onsurity Super App using your registered mobile number. Navigate to the health insurance section and proceed to the claims tab, where you can submit pre-hospitalisation, hospitalisation, and post-hospitalisation claims. Remember to upload soft copies of the required documents. It is important to retain all original documents, as the insurer may request them if necessary.
Step 2: Review by Good Doctors
Documents uploaded via the app are received by the Good Doctors team. They go through the documents to check if all documents are in place. Based on the availability of the documents, a shortfall may be raised, or the case is filed to the TPA.
Step 3: Submission and Processing
Once all the documents are collected by the Good Doctors team, the documents are filed to the TPA. Based on the merit of the documents, the case may be approved, rejected, or queried for additional required documents. If queried, the documents once shared by the member follow Step 1 and Step 2.
Step 4: Settlement or Rejection
Approved cases will be processed for payment. Once the payment is deposited into the member’s account, the case will be considered settled. If a claim request is rejected, the member will be informed accordingly.
Documents Required for Making a Claim Under Corporate Medical Insurance
A crucial part of the process of a group health insurance claim is the timely submission of all required documents. Here’s what you need to prepare:
A filled-out claim intimation form.
Prescribed medicines and follow-up consultation memos.
All original medical bills and reports.
Invoices of all medical tests and diagnosis reports.
KYC Documents
Discharge summary from the hospital.
A copy of the FIR or death certificate if applicable.
Evidence of your policy, like the health card.
Pre-authorisation letter from your third-party administrator.
Types of Groups Covered by Onsurity Membership with Group Health Insurance
Group Health Insurance in the Onsurity Membership covers more than traditional jobs. It makes sure a wide range of professionals can access high-quality healthcare benefits.
Full Time Employees
Permanent employees working on a full time basis
Typically receive comprehensive health coverage, including dependents (spouse, children, parents)
Gig Workers
Independent professionals hired for specific tasks or projects.
Coverage ensures access to vital health services despite their temporary roles.
Freelancers
Self employed individuals providing specialised services on a contract basis.
Coverage helps freelancers maintain health security during their independent work.
Contract Workers
Employers hire employees on a fixed term contract for specific roles or projects.
Coverage lasts as long as the employment contract is active. This ensures that the job meets their health needs
Types of Group Insurance available in an Onsurity Membership
Companies can offer various types of group insurance plans to their employees. Below are some of the most common types of group insurance plans available in India.
Group Health Insurance
This covers the medical expenses of all employees in a company. Typically, the employer pays for the insurance, but the cost is often factored into the employee’s overall compensation or CTC (Cost-to-Company).
Group Personal Accident Insurance
This is a type of insurance that provides financial compensation in case of injury or death due to an accident of the employee.
Group Term Life Insurance
This policy pays a fixed sum assured to the nominee in case of the employee’s death. Employees can add the nominee at the time of onboarding.
Difference Between Group Health Insurance and Individual Health Insurance
To secure employees’ health, employers must understand the differences between group and individual health insurance . Each type has distinct features and benefits, and recognising these differences is crucial. By valuing these distinctions, employers can choose the most suitable plan for their workforce.
Customise Your PlanGroup Health Insurance
Individual Health Insurance
It covers a group under a single policy.
Provides personalised coverage tailored to the policyholder’s needs.
The cost is often lower due to shared risk across the group.
May command higher premiums, especially for those with health risks.
However, continuity of coverage might be an issue if an employee leaves your organisation.
It ensures continuity. The policy can accompany the insured beyond their employment with your firm.
Things to Consider When Comparing Onsurity Membership vs Traditional Healthcare Benefits
Standard Health plans by Onsurity are just a starting point.
What sets these plans apart is that they can be customised in whatever way you like, to fit your organisation’s exact needs.
Customise Your PlanCosts
Coverage Flexibility
Eligibility & Enrollment
Additional Benefits
Claims Process
Employee Engagement & Retention
Medical Check-Up Requirement
Onsurity Membership
Costs
Group-based plans with a monthly subscription payment model, making it more affordable.
Coverage Flexibility
Customisable plans covering employees & dependents (spouse, children, parents).
Eligibility & Enrollment
Covers full-time, part-time, gig workers, freelancers & contractual staff.
Additional Benefits
Wellness benefits like free tele consultations, doorstep medicine delivery, preventive check-ups, mental health support.
Claims Process
Tech-enabled, simple claims process with dedicated Good Doctors support.
Employee Engagement & Retention
Boosts employee satisfaction through wellness programs & proactive health management.
Medical Check-Up Requirement
No medical check-up required for policy issuance.
Traditional Healthcare Benefits
Costs
Higher costs based on individual risk assessments.
Coverage Flexibility
Fixed plans with limited customisation.
Eligibility & Enrollment
Covers individuals & families with separate policies.
Additional Benefits
Primarily covers hospitalisation & medical bills.
Claims Process
Lengthy paperwork and slower processing times.
Employee Engagement & Retention
Limited impact due to fewer wellness features.
Medical Check-Up Requirement
Medical tests are often required before issuing the policy.
Why Choose the Onsurity Membership with Group Health Insurance?
Onsurity is a holistic healthcare partner designed to create a healthier, happier, and more productive workplace. Here’s why employers should choose the Onsurity Membership with Group Health Insurance:
Boost Retention & Engagement
Enhance employee morale and reduce attrition with Onsurity’s healthcare memberships, offering tailored benefits like health check-up camps, eye check-ups, dental screenings, and more—all customised to fit team needs and budgets.
Seamless Team Management
Onsurity’s TeamSure Dashboard simplifies HR processes—streamlining onboarding, offboarding, payments, claims, and membership management—making employee healthcare administration quick and efficient.
Flexible & Inclusive Healthcare
Enroll teams of three or more, including full-time employees, contract workers, freelancers, and gig workers. With no mandatory health check-ups, Onsurity ensures instant activation and hassle-free access to healthcare.
Smart Payment Options
Reduce financial strain with Onsurity’s flexible payment plans—monthly, quarterly, or annual—allowing businesses to manage healthcare investments without hefty upfront costs.
Tech-Driven Approach
100% Digital Claims Management: Fast, hassle-free claims processing through the Onsurity Super App. Cashless Network Access: Check cashless hospital networks . on the go. Super App Benefits: Access doctor consultations, discounts on medicines with doorstep delivery, lab tests, fitness memberships, and more all at a single platform.
Human-Centric Touch
Dedicated Claims Concierge: Experienced doctors guide employees during hospitalisation, ensuring personalised assistance at every step. WhatsApp Support: Instant query resolution through a responsive super bot. Account Manager Support: A dedicated manager helps with onboarding, queries, and smooth policy management.
Physical Health
Discounts on Cult Fit and FITPASS memberships.
Dental Care
Access to Sabka Dentist and Clove Dental memberships at slashed prices.
Mental Wellness
Affordable mental health counselling sessions with Amaha.
Elder Care
Dedicated programmes for parental care complete with safety, social bonding and well-being wih Emoha
Nutrition
Personalised diet plans and guidance on how to eat better with Anupama Menon’s comprehensive programme.
Healthcare
Exclusive discounts on Health Check-ups, Teleconsultations, and Medicine orders
Holistic Healthcare Membership = Better Work Culture and Better Employee Satisfaction
The key to great employee healthcare is having comprehensive, customisable and affordable plans which give you all-round wellness services that are financially optimal.
At Onsurity, our plans are designed to be less expensive compared to the market and come with value-added services.
Traditional employee benefits just won’t do for the 21st century workforce.
Kinetic Green
We moved to Onsurity and activated GHI and GPA coverage for our distributed workforce in just one day and the product experience has been easy and efficient for everyone.
Words We Live for!
Hear directly from our customers about the unique ways we were able to partner with them to provide the best care we can for them and their people.
FAQ
1. Who is eligible for group health insurance coverage?
Any organization, startup, cultural or social establishment, or any group with a common interest can purchase a group health insurance policy. According to the insurance regulator, any company or group with at least 20 members can buy a group health insurance plan. Any business that consists of 3 or more employees can opt for Onsurity’s group health insurance plans. Onsurity offers healthcare plans to startups, SMEs (Small and Medium sized Enterprises) growing businesses, helping them protect their employees from financial burdens during times of medical emergencies.
2. Can small businesses qualify for Onsurity group health insurance plans?
Any company that has a minimum of 3 or more employees can qualify for Onsurity’s healthcare membership. Onsurity works with more than 5,000 companies pan India and has touched over a million lives.
3. What types of coverage are typically included in a group health insurance plan?
Group health insurance typically covers expenses linked to hospitalisation. This includes costs related to surgery, diagnostic tests, doctor fee, certain medications, room charges, ambulance cost etc. Onsurity’s holistic healthcare plans also offer a wide range of wellness benefits such as free doctor consultation, discounts on lab tests and medicines, nutrition plans, mental wellness solution and a lot more, in addition to group health insurance benefits.
4. How does group health insurance differ from individual health insurance?
Group Health Insurance is provided to an employee by an employer where premiums are either entirely borne by the employer or divided between the employer and employee. It offers standardized benefits across all employees covered under the policy. Individual insurance policy, on the other hand, requires an individual to choose a policy based on their own needs and pay the premium out of their own pocket.
5. How many members/employees can be covered under group health insurance?
There is no upper limit set on how many individuals can be covered under a group health insurance policy. However, there could be a minimum requirement for the number of individuals needed to form a group. Insurance companies typically require a minimum of 20 or more employees. However, Onsurity offers its healthcare plans to companies that have as few as 3 employees as well.