Onsurity vs Loop Health
Onsurity and Loop Health both go beyond a plain insurance policy. Loop Health pairs broker-placed annual group cover with an in-house doctor and care team; Onsurity is an SME-native health membership billed monthly, with wellness and OPD bundled in at no extra premium, add-or-remove-anytime administration, and a Good Doctors claims concierge — all in the Onsurity SuperApp.
Onsurity vs Loop Health at a glance
A feature-by-feature view for an employer. Both platforms place IRDAI-regulated cover and add a care layer on top; the practical difference is how you pay, how flexibly you manage headcount, and how each supports employees day to day and at claim time.
| Feature | Onsurity — Health membership | Loop Health — Broker + care team |
|---|---|---|
| Group health insurance (GMC) | Core product | Core product |
| Group accident & term life (GPA + GTL) | Available | Available |
| In-house doctors / primary-care team | Teleconsults + Good Doctors concierge | In-house care team |
| Wellness + OPD bundled with the plan | In the membership, no extra premium | Care bundled with cover |
| Billing model | Monthly subscription, cancel anytime | Annual policy premium |
| Add / remove employees mid-cycle | Anytime via TeamSure | Mid-term endorsements |
| Day-1 cover on eligible joiners | Day-1 cover options | Subject to policy terms |
| Cashless hospital network | 10,000+ hospitals | Insurer network |
| Employee app | Onsurity SuperApp | Loop app |
| HR admin dashboard | TeamSure | Admin console |
| Claims support | Good Doctors concierge | Dedicated care & claims team |
✓ Included · ~ Partial / subject to terms · – Not offered. Based on publicly available positioning as of 07-Jul-2026; verify current plan details with each provider before purchasing.
Model and cover breadth
Both platforms cover the core group-insurance trio — health, personal accident and term life — and layer care on top. Loop Health frames these as broker-placed annual policies alongside an in-house primary-care team. Onsurity delivers the same core cover as a monthly group health insurance membership, then adds wellness and OPD at no extra premium and SureBiz business-protection cover on the same account.
Core group insurance
Group health (GMC), plus group personal accident and group term life — available on both platforms.
Wellness + OPD, bundled
Teleconsultations, discounted check-ups and medicine, and mental-health support are part of the Onsurity membership at no extra premium — not a separate line to budget for.
Whole-workforce eligibility
Onsurity covers full-time, contract, gig and freelance staff, with day-1 cover options on eligible joiners and dependents added mid-cycle.
Pricing structure: monthly membership vs annual premium
This is the sharpest difference. A broker-placed group policy is an annual premium — you commit for the year and settle a lump sum up front. Onsurity bills as a monthly subscription from ₹145 per employee per month, so your cost tracks the team you actually have, with no annual lock-in and the freedom to cancel anytime.
For a growing business, that turns a large, once-a-year outlay into a predictable monthly line item that flexes with headcount — and removes the pressure to forecast a full year of hiring on renewal day.
Worked example: a 25-person startup (illustrative)
Say you cover 25 employees at an illustrative ₹300 per employee per month. On the monthly model that is roughly ₹7,500 this month. Onboard 5 new hires mid-quarter and the next cycle simply reflects 30 members; offboard 2 and it drops to 28 — no mid-year premium reconciliation, no annual top-up cheque.
This month (25 members)
After +5 joiners (30 members)
Commitment
Illustrative figures for the monthly model only — actual per-employee pricing depends on plan, sum insured and team profile. Get a tailored quote for exact numbers.
Care and claims support
Both platforms add a human layer to insurance. Loop Health leans on its in-house care team for everyday and preventive consultations. Onsurity bundles teleconsultations and wellness into the membership, then adds the Good Doctors concierge — real doctors who guide the employee through pre-authorisation, paperwork and status updates, so nobody navigates a cashless claim alone.
Settlement runs cashless at 10,000+ network hospitals, so the insurer pays the hospital directly and the employee only settles their share — for example any co-payment or non-admissible items — at discharge. HR tracks every claim and every member's sum insured in one place on the TeamSure dashboard.
Which platform fits your business?
Neither platform is right for everyone. Here is an honest read on where each tends to be the stronger choice.
Onsurity tends to fit
- Startups & SMEs watching cash flow. Monthly billing means no annual lump sum — you pay for the team you have this month, and cancel anytime.
- Fast-changing headcounts. Add or remove full-time, contract, gig and freelance staff mid-cycle from TeamSure, with day-1 cover options on eligible joiners.
- Teams that want everything in one app. Cover, teleconsultations, wellness benefits and claim tracking sit together in the Onsurity SuperApp, so employees self-serve without waiting on HR.
- Lean HR teams wanting a hand at claim time. The Good Doctors concierge — real doctors — guides employees through pre-authorisation, paperwork and status updates, with settlement cashless at 10,000+ hospitals.
Loop Health tends to fit
- Organisations that want in-house primary care front-and-centre. Loop pairs group cover with its own doctors and care team for everyday consultations and proactive check-ins.
- Benefits-led teams comfortable with annual premiums. Buyers who prefer a traditional broker-placed annual structure across group health, personal accident and term life.
- Teams prioritising high-touch care management. Organisations that value a clinical team running preventive-care and health-engagement programmes as a centrepiece of the benefit.
Frequently asked questions
What is the main difference between Onsurity and Loop Health?
Both help Indian businesses insure and care for their teams. Loop Health pairs broker-placed annual group policies (GMC, GPA, GTL) with an in-house doctor and care team focused on everyday and preventive care. Onsurity is an SME-native health membership billed monthly, with wellness and OPD bundled in at no extra premium, add-or-remove-anytime administration through TeamSure, cashless settlement at 10,000+ hospitals, and a Good Doctors claims concierge — all in the Onsurity SuperApp.
Does Onsurity offer group personal accident and group term life like Loop Health?
Yes. Alongside group health insurance, Onsurity offers group personal accident and group term life cover, so you can build the same core insurance trio a benefits broker would place — with the added flexibility of monthly billing and bundled wellness on the health side.
Is Onsurity or Loop Health better for a small startup?
For most early-stage startups and SMEs, Onsurity fits well: it starts from small teams, bills monthly with no annual lock-in, and bundles wellness and OPD into the membership. Loop Health is a capable platform with strong in-house primary care, but its annual-premium, broker-placed model tends to suit organisations comfortable with a traditional benefits structure.
Can I move from an annual group policy to Onsurity mid-year?
Yes. Many businesses switch at renewal, but you can start an Onsurity membership at any time. Because billing is monthly and cover can be day-1 on eligible joiners, you are not tied to a fixed annual cycle. Always check the exit terms on any existing annual policy before you switch.
How does Onsurity compare to Loop Health on doctor consultations and wellness?
Both platforms go beyond insurance. Loop Health leans on its in-house care team for everyday consultations. Onsurity bundles teleconsultations, discounted health check-ups and medicine, and mental-health support into the membership at no extra premium, with the Good Doctors concierge stepping in at claim time — all managed from the Onsurity SuperApp.
See how Onsurity fits your team
Get a tailored quote in minutes — monthly pricing, bundled wellness, and cover for full-time, contract, gig and freelance staff, with no annual lock-in.
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