Onsurity vs Pazcare
Onsurity and Pazcare both help Indian businesses insure their teams. Pazcare is a benefits-administration broker built around annual group policies; 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.
Onsurity vs Pazcare at a glance
A feature-by-feature view for an SME buyer. Both platforms place IRDAI-regulated cover; the practical difference is how you pay, what comes bundled, and how much help your team gets at claim time.
| Feature | Onsurity — Health membership | Pazcare — Benefits broker |
|---|---|---|
| Group health insurance (GMC) | Core product | Core product |
| Group accident & term life (GPA + GTL) | Available | Available |
| Wellness + OPD bundled at no extra premium | In the membership | Typically add-on benefits |
| Billing model | Monthly subscription, cancel anytime | Annual policy premium |
| Add / remove employees mid-cycle | Anytime via TeamSure | Mid-term endorsements |
| Cashless hospital network | 10,000+ hospitals | Insurer network |
| Claims support | Good Doctors concierge | Platform + TPA support |
| HR admin dashboard | TeamSure | Benefits-admin console |
| Free HR calculators & tools | CTC, gratuity, ROI & more | Select tools |
✓ Included · ~ Partial / add-on · – Not offered. Based on publicly available positioning as of 05-Jul-2026; verify current plan details with each provider before purchasing.
Product breadth: what each platform covers
Both platforms cover the core group-insurance trio — health, personal accident and term life. Pazcare frames these as broker-placed annual policies inside a benefits-administration platform. 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 — not a separate add-on 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 model: 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.
Claims support: concierge vs standard assistance
When an employee is hospitalised, the experience is decided by who picks up the claim. A traditional benefits platform routes claims through the insurer or TPA with platform-level assistance. Onsurity 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.
- Teams that value everyday wellness. OPD consultations, health check-ups and mental-health support are bundled in, so employees feel the benefit long before any hospitalisation.
- 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.
- Lean HR teams wanting a hand at claim time. The Good Doctors concierge — real doctors — guides employees through pre-authorisation, paperwork and status updates.
Pazcare tends to fit
- Larger, benefits-led organisations. Teams comfortable with annual group premiums and a traditional broker-placed structure across GMC, GPA and GTL.
- Buyers who want multi-insurer broking. Pazcare operates as an insurance broker and can place policies across insurers as part of its benefits-administration platform.
- Flexible-benefits programmes. Organisations building a wider flexible-benefits or benefits-admin stack for a settled, sizeable workforce.
Frequently asked questions
What is the main difference between Onsurity and Pazcare?
Both help Indian businesses insure and support their teams. Pazcare is an employee-benefits and insurance-broking platform built around annual group policies (GMC, GPA, GTL) with a benefits-administration console. 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, and a Good Doctors claims concierge.
Does Onsurity offer group personal accident and group term life like Pazcare?
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 Pazcare better for a small startup?
For most early-stage startups and SMEs, Onsurity fits better: it starts from small teams, bills monthly with no annual lock-in, and bundles wellness and OPD into the membership. Pazcare is a capable platform, but its annual-premium, broker-placed model tends to suit larger 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.
Does Onsurity include wellness and OPD, or is it a paid add-on?
Onsurity bundles wellness and OPD into the health membership at no extra premium — teleconsultations, discounted health check-ups and medicine, and mental-health support. In a traditional broker-placed model these are often separate add-on benefits budgeted on top of the core GMC policy.
See how Onsurity fits your team
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