Can I cover contract or gig staff under group health insurance?

Full-time employees

Your permanent, on-roll staff — the core group most plans are built around, covered with cashless treatment and dependents where you choose.

Contract staff

Workers on fixed-term or third-party contracts can be brought onto the plan, so field, plant and project teams are not left uncovered.

Gig & delivery workers

Riders, drivers and other gig workers who power operations can be included — important where the work carries day-to-day physical risk.

Freelancers & interns

Freelancers, consultants and interns can be added too, so short-term and flexible talent still gets health cover while they work with you.

You decide the groups

You define which categories of workers are eligible — for example all full-time staff plus contract field teams — and everyone in an included group is covered on the same basis.

One plan, mixed workforce

Permanent and non-permanent staff can sit together on a single Onsurity plan, so HR runs one programme instead of stitching together separate arrangements.

Cover from 2, add as you scale

Cover starts from just 2 employees and new joiners — including contract and gig additions — can be added mid-policy through the dashboard, which suits workforces that flex up and down.

Same cashless network

Contract and gig members get the same cashless access to 10,000+ network hospitals as everyone else, not a lesser tier of care.

Can contract workers be on the same policy as full-time staff?

Yes. Onsurity supports mixed workforces, so contract, gig, freelance and full-time staff can be covered under a single group plan. You decide which categories are eligible and everyone in an included group is covered on the same terms.

Are gig and delivery workers eligible?

They can be. Gig workers such as riders and drivers can be included in the plan — often valuable given the physical nature of that work — so they get cashless hospital cover alongside your core team.

Do freelancers and interns count towards the minimum team size?

Depending on how you set up eligibility, contract workers, freelancers and interns can be included as members, which can also help a small organisation reach the 3-member minimum needed to start a plan.

Can we add contract staff part-way through the year?

Yes. New members — including contract and gig joiners — can be added mid-policy through the TeamSure dashboard, so cover keeps pace with a workforce that changes through the year.

Do contract members get the same hospital network?

Yes. Included members get the same cashless access to Onsurity’s 10,000+ network hospitals regardless of whether they are permanent, contract or gig staff.

Keep reading