What does group health insurance cost for 100 employees?
As a planning range, group health insurance runs about ₹2,000–₹10,000 per employee per year for ₹1–5 lakh of cover — so a 100-person team lands roughly between ₹2,00,000 and ₹10,00,000 a year. The exact figure depends on the sum insured, team age mix, dependents and features. Onsurity spreads it as a flexible monthly membership rather than one annual bill.
Last updated 09-Jul-2026 · Onsurity Answers
As a planning range, group health insurance runs about ₹2,000–₹10,000 per employee per year for ₹1–5 lakh of cover — so a 100-person team lands roughly between ₹2,00,000 and ₹10,00,000 a year. The exact figure depends on the sum insured, team age mix, dependents and features. Onsurity spreads it as a flexible monthly membership rather than one annual bill.
Indicative annual cost for 100 employees
Planning ranges by cover level. These are indicative — a firm price needs your team’s age mix, dependents and features.
| Cover per employee | Per employee / year | Total for 100 / year |
|---|---|---|
| ₹1 lakh | ₹2,000 – ₹4,000 | ₹2,00,000 – ₹4,00,000 |
| ₹2 lakh | ₹3,000 – ₹6,000 | ₹3,00,000 – ₹6,00,000 |
| ₹3 lakh | ₹4,000 – ₹7,500 | ₹4,00,000 – ₹7,50,000 |
| ₹5 lakh | ₹6,000 – ₹10,000 | ₹6,00,000 – ₹10,00,000 |
What moves the price
Four factors decide where a 100-person plan lands in that range.
Sum insured
The cover amount per employee is the biggest lever. Moving from ₹1 lakh to ₹5 lakh of cover roughly doubles the per-head premium, which scales straight across 100 people.
Age & demographics
A team with an older average age or more senior members typically claims more, so the premium is higher than for a young workforce of the same size.
Dependents included
Adding spouses, children or parents raises the number of lives covered and lifts the total premium, especially where parents are included.
Features & add-ons
Maternity cover, a wider hospital network, higher room-rent limits, day-1 pre-existing cover and top-ups each add to the price. A lean plan sits at the bottom of the range; a rich one at the top.
How Onsurity prices a 100-person team
Per-head economics improve at 100
A 100-person group pools risk across enough lives that pricing is more stable than for a very small team, and administration is spread thin per head.
Monthly instead of one big cheque
Rather than paying a full annual premium upfront, Onsurity bills the cover as a flexible monthly membership, which is easier on cash flow for a 100-person payroll.
Only pay for who is on the plan
As people join and leave, cover and cost adjust. You are not locked into a headcount you set in month one for the whole year.
Frequently asked questions
What is a realistic annual budget for 100 employees?
As a planning range, expect roughly ₹2,00,000 to ₹10,00,000 a year for a 100-person team, corresponding to about ₹2,000–₹10,000 per employee for ₹1–5 lakh of cover. A precise number needs your sum insured, age mix and whether dependents are included.
Why is there such a wide range?
Because the cover can be very different. A ₹1 lakh employee-only plan for a young team sits near the bottom; a ₹5 lakh plan with parents, maternity and a wide network for an older team sits near the top. The headcount is the same — the design isn’t.
Does adding parents change the cost a lot?
It can. Parents, particularly older parents, tend to claim more, so including them raises the total premium noticeably. Many employers offer parent cover on an opt-in basis where the employee shares part of the cost.
Do we pay the whole year upfront?
Not with Onsurity. The cover is billed as a flexible monthly membership rather than a single annual premium, which spreads the cost across the year and eases cash flow for a 100-person team.
How do I get an exact number for my team?
Use the group health premium calculator for a quick estimate, or request a quote so the cover can be priced against your actual team profile, chosen sum insured and any dependents or add-ons.
Keep reading
The per-head numbers behind this total.
Estimate a premium for your exact team.
How the premium reduces taxable profit.
A tailored group health quote for your team.
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