Employer tools · Group health insurance
Group Health Insurance Premium Calculator
This free calculator gives employers an indicative monthly and annual cost for group health insurance, based on your headcount, team age profile, sum insured and add-ons like maternity, OPD and personal accident cover. Use it to size a budget before you request an exact quote.
Enter total lives you want to insure (employees only).
INDICATIVE ESTIMATE
Per employee, per month
The way you actually pay — a monthly subscription, no annual lump-sum.
Per employee, per year
Estimated annual total · 25 employees
Based on 30 – 40 average age, ₹5 Lakh sum insured, no add-ons. This is an estimate, not a quote or offer.
Get an exact quoteHow this estimate is calculated
We start from an indicative base rate band for the sum insured you pick — for example ₹5 Lakh sits at roughly ₹5,200–₹7,800 per employee per year before adjustments. That band is then multiplied by an age factor (younger teams cost less, older teams more) and by a loading for each add-on you switch on. The annual figure is divided by 12 to show the monthly-subscription cost, and multiplied by your headcount for the annual total.
The ranges reflect the spread real insurers quote for otherwise-similar groups. They are planning figures drawn from typical Indian group-health pricing, not a live rate card — your actual number depends on underwriting.
This is an indicative estimate — not a quote
The numbers above are an indicative estimate for budgeting only. They are not a quote, an offer, or a contract of insurance, and they do not bind Onsurity or any insurer. A firm premium is set only after underwriting, using your team’s exact age and gender mix, location, family definition, industry and claims history. For an exact, plan-specific figure, request a quote — it takes minutes and carries no obligation.
Why the monthly number is the one that matters
Most group cover is billed as a single annual lump-sum. Onsurity is a monthly subscription: you pay a real per-employee, per-month amount, which is why this tool leads with the monthly figure. It keeps healthcare inside your regular people budget instead of a once-a-year hit to cash flow.
Each membership can bundle more than hospitalisation cover — OPD, doctor teleconsults, wellness and diagnostics sit alongside the group health insurance, so employees get value between hospital visits, not only during them.
Claims settle cashless at 10,000+ network hospitals, and you can add joiners or remove leavers mid-cycle with billing adjusting from the next cycle — no headcount frozen at renewal. That flexibility is exactly what a static estimate can’t price, so treat the output as a starting point and confirm the rest with a quote.
Frequently asked questions
It is a planning range, not a quote. Real group health premiums depend on your team’s exact age mix, gender split, location, claims history, industry, family definition and the insurer’s underwriting on the day. Use the output to size a budget, then request a firm quote for exact numbers.
Onsurity runs on a monthly subscription, so you pay a real per-employee, per-month amount rather than one large annual lump-sum. Showing the monthly cost mirrors how the plan is actually billed and makes it easier to compare against your per-head people budget.
Sum insured and the team’s average age move the number most. A younger team and a lower sum insured reduce the premium; older members, a higher sum insured and add-ons like maternity or OPD raise it. The calculator lets you flex each lever to see the effect live.
Yes. With Onsurity you add joiners or remove leavers mid-cycle and billing adjusts from the next cycle, so you are not locked into a headcount fixed at renewal. That flexibility is hard to model in a static estimate, which is one more reason to confirm with a live quote.
Understand the plan behind the number
Ready for a real number?
Share your headcount and cover preferences and we’ll turn this estimate into an exact, plan-specific quote — with the monthly per-employee cost spelled out. No obligation.
Get an exact quote