Straight answers on buying group health insurance
The questions employers actually ask before they buy — answered directly, with the numbers and the fine print. Each answer leads with a definitive summary, then the detail behind it.
The buyer questions
How much does group health insurance cost per employee?
Roughly ₹2,000–₹10,000 per employee per year for ₹1–5 lakh cover — see what moves the price.
Read the answer →What is the best group health insurance for startups?
The checklist that matters for a small team — and why cover from 2 employees fits early-stage startups.
Read the answer →What is the minimum number of employees for group health insurance?
Most insurers need 20+ members. Onsurity covers teams from just 2, founders included.
Read the answer →Can you add parents to group health insurance?
Yes — how employees add parents as dependents, who pays, and the age limits and waiting periods.
Read the answer →What does group health insurance cost for 100 employees?
A worked range for a 100-person team — roughly ₹2–10 lakh a year — and what moves the price.
Read the answer →Is a group health insurance premium tax-deductible for the employer?
Yes — how an employer-paid premium is claimed as a business expense under Section 37(1).
Read the answer →GMC vs ESIC — which one is mandatory?
ESIC is statutory and mandatory; Group Mediclaim is voluntary. How the two work together.
Read the answer →Do I need group health insurance if I already have ESIC?
Often yes — ESIC leaves out higher earners and founders. Where a group plan fills the gap.
Read the answer →Is there a waiting period, or is cover active on day 1?
Group plans usually start day 1, waiving the waits retail policies impose — pre-existing included.
Read the answer →How fast does Onsurity settle claims?
Cashless means no bill to chase; reimbursement timelines explained. 100,000+ claims, ₹600 Cr+ paid.
Read the answer →Can I cover contract or gig staff under group health insurance?
Yes — extend cover to contract, gig, freelance and intern staff alongside full-time employees.
Read the answer →How do I add employees to group health insurance mid-policy?
Add joiners any time via an endorsement — cover from the join date, premium charged pro-rata.
Read the answer →Is group personal accident insurance taxable?
Generally no — the premium is a deductible business expense, not usually a taxable perquisite, and accident payouts are generally tax-free.
Read the answer →Does group term life insurance cover suicide and accidental death?
Accidental death is fully covered. Suicide is often covered without the 12-month clause individual plans use — but it depends on the policy.
Read the answer →How is group term life insurance premium calculated?
Total sum assured × a mortality rate set by the team’s age profile, then adjusted for occupation, group size and past claims.
Read the answer →More answers across our library
These questions already have a dedicated home in our Learn glossary, Guides, comparisons and calculators. Here’s the direct route to each.
How does a cashless claim work?
Pre-authorisation, network hospitals and what employees actually pay at discharge — with a worked example.
Read the answer →What is the Section 80D tax benefit?
The health-insurance tax deduction and how it applies when an employer provides group cover.
Read the answer →Are pre-existing conditions covered?
How conditions employees already have are treated in a group plan, and day-1 options.
Read the answer →Is group health insurance mandatory in India?
What the law actually requires of private companies — and why most offer cover anyway.
Read the answer →Group vs individual health insurance — which is better?
Cost, flexibility, continuity and claims compared side by side.
Read the answer →What is the difference between GMC, GPA and GTL?
Medical, accident and term-life group cover — what each one does.
Read the answer →What will my team’s premium be?
Estimate a per-team group health premium in a couple of minutes.
Read the answer →Still deciding? Get a tailored quote
Group health insurance for teams from 2 employees — no medical check-up, cashless at 10,000+ hospitals, on a flexible monthly membership.
Get a group health quote