Author Profile

Kulin Shah

Co-founder & COO, Onsurity

About Kulin

Kulin Shah is the co-founder and COO of Onsurity, the employer group-health and employee-benefits platform he launched in Bengaluru in February 2020 alongside Yogesh Agarwal. He leads Onsurity’s product and operations, including the SuperApp members use to manage their health membership and the TeamSure dashboard HR teams use to administer benefits. Onsurity serves teams from as few as 2 employees on a membership model with monthly, per-employee billing and cashless treatment at 10,000+ network hospitals.

Credentials

Co-founder & COO, Onsurity
Co-founded Onsurity in Bengaluru, February 2020

Areas of Expertise

Employee Benefits TechnologyGroup Health InsuranceProduct ManagementInsurance ProductsB2B SaaS

Articles by Kulin Shah6 articles

Insurance Basics

Group Health Insurance vs Individual Policy: What's Better for Your Team?

Both cover hospitalisation, but the differences in premium, waiting periods, and coverage depth make group insurance the clear winner for most employed Indians.

05-Apr-20266 min read

Read article

Insurance Basics

How to Choose the Right Group Health Insurance Plan for Your Business

With dozens of insurers and hundreds of plan configurations, choosing group health insurance can feel overwhelming. Here is a systematic framework to make the right call.

15-Apr-20268 min read

Read article

Insurance Basics

OPD Cover vs Health Insurance: Do You Need Both?

Standard group health insurance covers hospitalisation. OPD cover pays for doctor visits, diagnostics, and medicines. Most employees need both — but few companies offer both.

06-May-20266 min read

Read article

Insurance Basics

Group Health Insurance Claim Process: Step-by-Step Guide

Filing a health insurance claim should not require a law degree. This step-by-step guide walks you through both cashless and reimbursement claims under a group policy.

18-May-20267 min read

Read article

Insurance Basics

Can Employees Add Family Members to Group Health Insurance?

Most group policies allow employees to include their spouse and children. Some extend to parents. Here is how family cover works, who qualifies, and what it costs.

10-Jun-20266 min read

Read article

Insurance Basics

Pre-Existing Conditions in Group Health Insurance: What You Need to Know

Individual health policies make you wait years to claim for pre-existing conditions. Group insurance is different — and understanding why matters for every employee with a chronic condition.

15-Jun-20267 min read

Read article

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Author Profile

Kulin Shah

Co-founder & COO, Onsurity

About Kulin

Credentials

Co-founder & COO, Onsurity
Co-founded Onsurity in Bengaluru, February 2020

Areas of Expertise

Employee Benefits TechnologyGroup Health InsuranceProduct ManagementInsurance ProductsB2B SaaS

Articles by Kulin Shah6 articles

Insurance Basics

Group Health Insurance vs Individual Policy: What's Better for Your Team?

Both cover hospitalisation, but the differences in premium, waiting periods, and coverage depth make group insurance the clear winner for most employed Indians.

05-Apr-20266 min read

Read article

Insurance Basics

How to Choose the Right Group Health Insurance Plan for Your Business

With dozens of insurers and hundreds of plan configurations, choosing group health insurance can feel overwhelming. Here is a systematic framework to make the right call.

15-Apr-20268 min read

Read article

Insurance Basics

OPD Cover vs Health Insurance: Do You Need Both?

Standard group health insurance covers hospitalisation. OPD cover pays for doctor visits, diagnostics, and medicines. Most employees need both — but few companies offer both.

06-May-20266 min read

Read article

Insurance Basics

Group Health Insurance Claim Process: Step-by-Step Guide

Filing a health insurance claim should not require a law degree. This step-by-step guide walks you through both cashless and reimbursement claims under a group policy.

18-May-20267 min read

Read article

Insurance Basics

Can Employees Add Family Members to Group Health Insurance?

Most group policies allow employees to include their spouse and children. Some extend to parents. Here is how family cover works, who qualifies, and what it costs.

10-Jun-20266 min read

Read article

Insurance Basics

Pre-Existing Conditions in Group Health Insurance: What You Need to Know

Individual health policies make you wait years to claim for pre-existing conditions. Group insurance is different — and understanding why matters for every employee with a chronic condition.

15-Jun-20267 min read

Read article

Back to blog