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Insurance Basics
208 articles
Insurance Basics
EDLI Scheme: Benefits, Calculation, and Group Term Life Insurance Substitution
Learn what the EDLI Scheme covers, how benefits are calculated, and when employers can substitute it with Group Term Life Insurance.
Payal Agarwal
7 min readRead more
Insurance Basics
How Group Health Insurance Works for Indian SMEs
A plain-English guide to Group Medical Cover (GMC) — what it covers, how premiums work, and how to run it without the paperwork.
Onsurity Editorial Team
1 min readRead more
Insurance Basics
Decoding The Myth: Will AI Replace or Reshape The Human Economy?
Last week, I sat down to write a rather somber piece on How Companies Can Execute AI Layoffs More Humanely? I was ready to dive into the inner workings of the corporate engines to illustrate how leade
Yogesh Agarwal
8 min readRead more
Insurance Basics
Onsurity Super Top Up: The Smart & Affordable Way to Upgrade Your Corporate Health Insurance
Before we talk about Super Top Up Insurance , let’s first talk about progress. Progress doesn’t happen overnight. It is built brick-by-brick; all so that you can spend your sunshine years in peace and
Yogesh Agarwal
9 min readRead more
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.
Kulin Shah
7 min readRead more
Insurance Basics
Group Health Insurance for Remote Teams In India
When the COVID-19 pandemic accelerated the shift to a work from home setup, it permanently transformed how organizations operate. Remote work has proven to be an incredible model, offering immense fle
Payal Agarwal
13 min readRead more
Insurance Basics
Best Group Health Insurance Policy in India (2026): Top Providers Compared
Introduction For modern Indian organizations, group health insurance is no longer a standard box to tick during onboarding. In 2026, employee expectations have shifted drastically. Recent industry rep
Payal Agarwal
14 min readRead more
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.
Kulin Shah
6 min readRead more
Insurance Basics
Best Group Health Insurance Plans for Indian Startups in 2026
A detailed, honest comparison of group health insurance options for Indian startups and SMEs — covering pricing, coverage, claims experience, and what to watch out for.
Yogesh Agarwal
12 min readRead more
Insurance Basics
Best Group Health Insurance for Startups in India in 2026
Stop overpaying for traditional corporate cover. Here is a practical guide to the best startup group health insurance in India for 2026, traps to avoid, and stage-by-stage needs.
Payal Agarwal
14 min readRead more
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.
Kulin Shah
7 min readRead more