Bira
A 92% claims settlement ratio in year one
Bira (BTB Marketing Pvt Ltd), a popular craft-beer brand, moved beyond a traditional insurance model to a customised, tech-driven Onsurity plan — band-based GMC cover, flexible quarterly billing, and a digitised claims process that cut settlement time from 40–45 days to 7–15.
Claims settlement ratio in year one
Claim settlement TAT, down from 40–45 days
Claims payout ratio
Hybrid onboarding turnaround
The challenge
Where Bira started
Bira ran on a traditional insurance model that placed an increasing administrative burden on the HR team.
Benefits adoption stayed low — employees weren’t engaging with the cover they had.
Claims settlement was slow, with a 40–45 day turnaround leaving employees waiting.
The claim payout ratio sat below 70%, well short of what a diverse F&B workforce needed.
The solution
How Onsurity solved it
Onsurity gave Bira the customisation and flexibility to turn benefits into an employee-engagement lever — pairing a plan tailored to the workforce with a digitised claims process built for speed.
Employee-band and risk-collar based customised GMC cover, matched to the realities of a diverse F&B workforce.
A flexible payment option via quarterly billing, easing cash-flow pressure on the business.
Tech implementation that simplified day-to-day benefits management for the HR team.
An Annual Health Checkup provided for senior management.
A digitised claims process that eliminated the old 40–45 day turnaround and introduced a new 7–15 day TAT.
The outcome
The results speak for themselves
Within one year of activation, Bira transitioned from a manual bottleneck into a highly reliable digital safety net — upgrading its health coverage while digitising the entire claims ecosystem so support arrives when it is needed most.
Claims settlement ratio in year one
Claim settlement TAT, down from 40–45 days
Claims payout ratio
Hybrid onboarding turnaround
“Transitioning to Onsurity completely changed how we manage employee healthcare. With Onsurity’s tech platform, our benefits adoption soared, and the customized plans gave our employees exactly what they needed. Achieving a 92% settlement ratio in just one year proves that we made the right choice for our team’s well-being.”
Want results like Bira?
Add your team to Onsurity in minutes — day-1 coverage, a self-serve HR dashboard, and a claims team that actually picks up.
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