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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.
Roughly ₹2,000–₹10,000 per employee per year for ₹1–5 lakh cover — see what moves the price.
Read the answer →The checklist that matters for a small team — and why cover from 3 employees fits early-stage startups.
Read the answer →Most insurers need 20+ members. Onsurity covers teams from just 3, founders included.
Read the answer →Yes — how employees add parents as dependents, who pays, and the age limits and waiting periods.
Read the answer →A worked range for a 100-person team — roughly ₹2–10 lakh a year — and what moves the price.
Read the answer →Yes — how an employer-paid premium is claimed as a business expense under Section 37(1).
Read the answer →ESIC is statutory and mandatory; Group Mediclaim is voluntary. How the two work together.
Read the answer →Often yes — ESIC leaves out higher earners and founders. Where a group plan fills the gap.
Read the answer →Group plans usually start day 1, waiving the waits retail policies impose — pre-existing included.
Read the answer →Cashless means no bill to chase; reimbursement timelines explained. 100,000+ claims, ₹600 Cr+ paid.
Read the answer →Yes — extend cover to contract, gig, freelance and intern staff alongside full-time employees.
Read the answer →Add joiners any time via an endorsement — cover from the join date, premium charged pro-rata.
Read the answer →Generally no — the premium is a deductible business expense, not usually a taxable perquisite, and accident payouts are generally tax-free.
Read the answer →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 →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 →These questions already have a dedicated home in our Learn glossary, Guides, comparisons and calculators. Here’s the direct route to each.
Pre-authorisation, network hospitals and what employees actually pay at discharge — with a worked example.
Read the answer →The health-insurance tax deduction and how it applies when an employer provides group cover.
Read the answer →How conditions employees already have are treated in a group plan, and day-1 options.
Read the answer →What the law actually requires of private companies — and why most offer cover anyway.
Read the answer →Cost, flexibility, continuity and claims compared side by side.
Read the answer →Medical, accident and term-life group cover — what each one does.
Read the answer →Estimate a per-team group health premium in a couple of minutes.
Read the answer →Group health insurance for teams from 3 employees — no medical check-up, cashless at 10,000+ hospitals, on a flexible monthly membership.
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