Group Health Insurance for Employees
Customised group health plans with comprehensive wellness benefits for your employees and their families — empowering teams through affordable, comprehensive group coverage. Plans from ₹145 per employee per month.
*T&Cs apply
What is Group Health Insurance?
Group Health Insurance (GHI) — generally known as Group Medical Cover or Group Mediclaim — is a health insurance policy that covers a group of people, typically the employees of a company or the members of an organisation. Because the risk is spread across the group, it is a cost-effective and convenient way for employers to provide health cover, often extending to employees’ spouses and dependent children.
As India becomes one of the world’s fastest-growing insurance markets, group health cover has become a safety measure for millions — and, with employers increasingly prioritising employee well-being, demand continues to rise.
Key features with an Onsurity membership
Cashless claims facility
Cashless treatment at 10,000+ network hospitals across India, cutting out reimbursement hassles.
Flexible subscription plans
Choose monthly or annual plans that fit your business needs and budget — no large upfront lump sum.
Zero waiting period options
Employers can opt for Day-1 coverage so employees are protected immediately.
Inclusive family plans
Cover diverse family structures — spouse, children, parents, in-laws, siblings and LGBTQIA+ partners.
Easy employee onboarding
Onboard employees in minutes and manage the policy from the TeamSure dashboard.
End-to-end claims support
The Good Doctors team assists from hospital admission to claim settlement, with real-time tracking in the Onsurity Super App.
Why is Group Health Insurance required?
Healthcare costs in India are rising quickly, and a single serious illness can deplete a lifetime of savings. With individuals paying a large share of healthcare costs out of pocket, strong health cover is no longer a choice but a necessity.
Prioritising employee well-being supports a strong, healthy and motivated workforce. It reassures employees that their employer cares — boosting loyalty and productivity, and cultivating a happier, more secure team.
Who should buy Group Health Insurance?
A tailored group health plan can be a game-changer, whether you run a startup or a large corporation.
Startups
Up to 50 employees
Attract and retain talent with cost-effective group health cover — building trust, boosting morale and supporting compliance.
Mid-sized companies
51 to 250 employees
A scalable group health model meets the needs of a diverse workforce and eases employees’ health-related financial stress.
Large corporations
More than 250 employees
Comprehensive cover increases employee satisfaction and productivity, improves brand image and supports CSR initiatives.
Advantages of Group Health Insurance
Attract and retain employees
Comprehensive health cover shows employees they are valued and improves retention.
Lower absenteeism, higher productivity
Employees with healthcare access seek timely treatment, reducing missed workdays.
Affordable healthcare
Group cover spreads risk across the team, reducing the financial stress of medical bills for employees and their families.
Cashless treatment
A wide hospital network and streamlined claims mean care without upfront payments or heavy paperwork.
Family plans
Add dependents — spouse, children and parents — on an affordable monthly subscription, customised to your team.
Dedicated support
24/7 assistance via a WhatsApp bot and real-time claims tracking for quick help with claims and queries.
Inclusions and exclusions in Group Health Insurance
Typically included
- In-patient hospitalisation (24-hour stays up to the sum insured, subject to sub-limits)
- Pre- and post-hospitalisation — diagnostics, consultations and medication for a defined period
- Day-care procedures that do not need a 24-hour stay
- Room, nursing, doctor fees and operation-theatre charges
- Diagnostic tests — X-rays, blood tests and other necessary procedures
- Ambulance cover in emergencies (subject to policy terms)
- Pre-existing conditions and psychiatric illness cover (plan-dependent)
- Maternity, newborn, organ-donor and AYUSH benefits (vary by plan)
Common exclusions
- Cosmetic and aesthetic treatments
- Dental and vision care
- Outpatient (OPD) expenses, unless added
- Routine pregnancy expenses
- Experimental or investigational treatments
- Self-inflicted injuries and intentional harm
- Addiction treatment
Inclusions and exclusions vary significantly by plan and insurer. Always review the plan document to understand what is covered before enrolling.
Claims settled, teams protected
Onsurity has paid ₹600 Cr+ in claims across 100,000+ claims, with end-to-end support from the Good Doctors team and cashless access to a growing network of hospitals nationwide.
Group Health Insurance FAQ
Group health insurance (also called Group Medical Cover or Group Mediclaim) is a single policy that covers a group of people — typically a company’s employees, and often their spouses, children and dependent parents. Because the risk is spread across the group, it is a cost-effective, convenient way for employers to provide health cover.
Any registered Indian business that wants to protect and retain its team — from startups of up to 50 employees, to mid-sized companies of 51–250, to large corporations of 250+. Onsurity covers teams starting from as few as 3 members, including founders.
Cover typically includes in-patient hospitalisation, pre- and post-hospitalisation, day-care procedures, room, nursing and doctor fees, diagnostics and ambulance cover. Plan-dependent additions include pre-existing conditions, maternity, newborn, organ-donor and AYUSH benefits. Exclusions and sub-limits vary by plan, so review the policy document before enrolling.
Claims can be cashless or by reimbursement. For cashless treatment, employees use a network hospital and raise a pre-authorisation in the Onsurity Super App; for reimbursement, they pay and submit documents in the app. The Good Doctors team supports the process end to end, with real-time status tracking.
The company must be registered in India with a valid GST number (private limited, LLP, partnership or sole proprietorship), with a minimum of 3 employees including founders. Depending on the plan, full-time and part-time employees, interns, freelancers, gig and contract staff can be covered. Age eligibility varies by policy.
A group policy covers many people under one contract, is usually funded or subsidised by the employer, and often offers Day-1 cover with fewer preconditions. An individual policy is bought and paid for by one person and can carry longer waiting periods and medical underwriting.
Give your team healthcare they’ll value
Customised group health cover for teams of 3 to 500+, from ₹145 per employee per month — cashless hospitals, family plans and claims handled for you.
Get a group health quote