Employee insurance: offer your team the complete protection stack
Health, accident, life and employee-choice cover. All-in-one membership. Built for teams of 3 employees and more.
10,000+ businesses served · 20 lakh+ lives covered · 4.7 Google rating
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Trusted by teams across India
Standard insurance leaves too much to chance
Most teams only have hospitalisation cover, which leaves them exposed to the serious life risks that reach beyond a hospital bill. A complete stack closes three of them.
Income protection
The medical bill is paid, but the salary stops. When an accident pauses work, accident cover protects their livelihood.
Family security
Securing their loved ones. If the unthinkable happens, life cover means families don’t lose their safety net.
Everyday wellbeing
Care beyond the hospital. Fevers, therapy sessions and routine check-ups keep your team thriving day to day.
Enterprise-grade care, finally accessible to all
Quality protection used to be a luxury reserved for massive corporations. The barriers were structural — simple, monthly pricing just removed them.
Comprehensive care, wrapped in one membership
Four covers, one membership, one invoice. Explore each layer — mix the ones that fit your team.
Group Health Insurance
Care when they need it most
Covers hospitalisation, pre- and post-care and day-care procedures, with cashless access at 10,000+ network hospitals.
Learn more →Group Personal Accident
A safety net for their income
Reliable financial support — and a lump sum — if an accident disrupts an employee’s ability to work, on the clock and off it.
Learn more →Group Term Life
Securing their family’s future
Active from Day 1, ensuring a guaranteed payout to an employee’s nominee when it matters most.
Learn more →Onsurity Flex
The power of choice
Let each employee build their own personalised cover within a budget you set — one membership, many needs.
Learn more →Real support through unexpected moments
Layered protection with no overlaps — each cover picks up where the last leaves off.
Admission
Health cover pays the hospital, seamlessly and cashless.
Recovery (unable to work)
Accident cover replaces the income lost while they cannot work.
Worst-case scenario
Life cover secures the family’s financial future.
Built for the reality of your workforce
Every team is unique. Here is a starting point for protecting yours — add Onsurity Flex when your team spans different life stages.
Meaningful benefits that make business sense
Group health cover is indicatively ₹135–₹225 per employee, per month depending on the plan chosen. A full multi-layer stack depends on the covers you add — share your team size for an exact number.
Flexible for them, effortless for you
Tailored cover your team values, with admin that stays out of your way.
Tailored & flexible
- Customise tiers by salary band or risk level
- Add or remove team members mid-month (pro-rata)
- Choose monthly, quarterly or annual billing
Effortless admin
- Employees are active and covered in about 10 minutes
- Day 1 coverage with no medical check-ups
- Seamless HRMS sync (Keka, Darwinbox, Zoho, HROne)
The trust we’ve earned
Every claim is reviewed by an in-house doctor who advocates for your team before the insurer even sees it.
See how we handle claims →Frequently asked questions
What is included in Onsurity’s employee insurance stack?
One membership can carry four covers: Group Health Insurance (hospitalisation and day-care), Group Personal Accident (income protection after an accident), Group Term Life (a payout to the employee’s nominee), and Onsurity Flex (employee-chosen cover within a budget you set). You choose which layers fit your team.
What is the minimum team size for employee insurance?
Onsurity covers teams from just 3 members — there is no 20-plus headcount minimum. Pricing is per employee, with flexible monthly, quarterly or annual billing.
Is there a medical check-up or waiting period?
No. Coverage is active from Day 1 with no medical check-ups, and employees are typically active in about 10 minutes.
How much does employee insurance cost per employee?
Group health cover is indicatively ₹135–₹225 per employee per month depending on the plan; a full multi-layer stack depends on the covers you add. Share your team size for an exact per-employee quote.
Can I tailor cover for different kinds of employees?
Yes. You can set tailored tiers by salary band or risk level — for example, higher health cover for office roles and dedicated accident cover for field roles — and add or remove members mid-month on a pro-rata basis.
How are claims handled?
Every claim is reviewed by an in-house doctor who advocates for your team before the insurer sees it. You can see how the claims process works on the claims experience page.
Give your team the protection big companies offer
One quote, one invoice, one dashboard. Tell us your team size for an exact per-employee price.