Employee Benefits Benchmarking Tool

This is the total employer spend on health benefits per active employee per month — including Group Mediclaim (GMC) premium, OPD cover, teleconsultation subscriptions, and wellness add-ons like dental or gym. It excludes ESIC contributions (statutory, not discretionary) and personal accident cover (typically bundled separately by insurers).

Two factors drive this: (1) Medical costs are inherently higher in Tier 1 metros, pushing GMC premiums up. (2) Talent competition is more intense in Bengaluru, Mumbai, and Delhi/NCR — companies increase benefit levels to differentiate. Tier 2 cities offer comparable talent at lower benefit expectations, though the gap is narrowing as remote work normalises and talent becomes more mobile.

Onsurity Standard is priced at ₹185/employee/month and includes GMC plus OPD teleconsultations — placing it below the industry median in cost, but with benefits most median-spend companies don't include. It's an unusual position: above-median coverage at below-median price. The benchmark tool shows exactly where ₹185 lands relative to your industry's percentile distribution.

The data reflects spend patterns from Onsurity's 10,000+ employer customers as of 2025. Benefits inflation in India has run at roughly 10–12% annually since 2022 — so if you're comparing against older industry surveys (e.g., Mercer 2022 or Aon 2021), these figures will be higher.

For most Indian SMEs and startups, the minimum that materially affects retention is GMC at ₹5 lakh sum insured with teleconsultation access. This places you at or above the median in most Tier 2 cities and near-median in Tier 1. Employees with dependants respond most strongly to comprehensive GMC; OPD becomes the key differentiator at the top quartile.