Group health insurance — often called Group Medical Cover (GMC) — is a single policy that covers all your employees (and usually their families) under one plan. Instead of every employee buying their own cover, the company sponsors one group policy, which is cheaper per person and far simpler to run.
What it covers
- Hospitalisation — room rent, ICU, surgery and treatment costs, cashless at network hospitals.
- Day-care procedures that don't need a 24-hour stay.
- Pre- and post-hospitalisation expenses within defined windows.
- Maternity, dependents and parents — configurable by plan.
How premiums work
Premiums are based on the group's size, age mix and sum insured — not each individual's health. That's why there's usually no medical check-up and day-one cover with no waiting period for most benefits, which individual policies rarely offer.
Running it without the paperwork
On Onsurity, HR manages the whole programme from the TeamSure dashboard — onboarding, endorsements, claims tracking and billing — while employees use the Super App for digital health cards, cashless hospital search and claim status.
Cashless at 10,000+ hospitals. Activation in 24 hours. Teams from 2 employees.
Ready to see what a plan costs for your team? Get a quote.
