Group Health Insurance for Startups (7–50 Employees)
For a 7–50 person startup, the right starter stack is group health cover plus maternity, mental-health support and bundled wellness — on a monthly subscription with no annual lump sum. A ₹3,00,000 sum insured at roughly ₹399 per employee suits most early teams, and you add or remove people as you hire.
The recommended starter stack
Do not over-build your first plan. Start with a solid group health insurance base, then layer the three add-ons a young workforce actually uses. Because wellness and OPD are bundled at no extra premium, the benefit gets used every month — not just in a crisis.
Group Health Insurance
In-patient hospitalisation cover for every employee, cashless at 10,000+ network hospitals. The non-negotiable core of the stack.
Maternity benefit
Covers delivery plus pre- and post-natal care — the single most-used benefit in a young, 25–35 workforce. Add it from day one.
Mental health support
Counselling and teleconsults for a high-pressure early-stage team. Low cost, high signal that you take wellbeing seriously.
Basic wellness + OPD
Doctor teleconsults, discounted medicine delivery and health check-ups — bundled at no extra premium, so the benefit gets used every month, not just in a crisis.
How much sum insured should you pick?
The sum insured is the yearly cap the insurer pays per member. For a 7–50 person startup the practical range is ₹2,00,000 to ₹5,00,000. You can raise it at renewal as the team — and the budget — grows.
Leanest / pre-revenue
Meets basic in-patient needs and keeps per-head cost lowest. Fine as a starting floor you plan to raise at renewal.
Most common starter
The sweet spot for 7–50 person teams — covers the large majority of hospitalisation events in Tier-1 and Tier-2 cities without over-paying.
Talent-competitive
Signals a serious benefit when you are hiring against funded competitors, and comfortably absorbs a major surgery or ICU stay.
What it costs, per head
Startup group cover is priced per employee, per month. Indicative Onsurity plans run from about ₹199 for an entry plan to ₹699 for maximum cover with unlimited wellness — with the popular mid-tier around ₹399 per head. Your final rate depends on team size, average age and the benefits you stack.
Worked example. A 12-person startup picks the ₹3,00,000 mid-tier plan at roughly ₹399 per employee, per month.
Per employee / month
12 employees / month
Annual lump sum upfront
The same cover through a traditional annual policy would ask for the full year — around ₹57,456 — before day one. On a monthly subscription you spread it across the year and protect runway.
Cover your team from day one — and protect your runway.
Pay monthly instead of a year upfront, add people as you hire, and give a young team the maternity, mental-health and wellness benefits they actually use.
Why a subscription fits a cash-tight startup
Early-stage cash flow is lumpy, and headcount changes month to month. A subscription model maps to that reality far better than a locked annual policy — paying monthly instead of an annual premium upfront can free up to 7% in working capital. Here is how the two compare on the things that matter to a founder.
| What matters | Onsurity (monthly) | Traditional annual policy |
|---|---|---|
| Payment model | Yes Monthly subscription — no annual lump sum | No Full annual premium payable upfront |
| Cancel / change | Yes Cancel anytime, adjust cover at renewal | No Locked in for the 12-month term |
| Add employees mid-cycle | Yes Add or remove members mid-cycle as you hire | Limited Endorsements, often with paperwork lag |
| Activation | Yes Instant activation, day-1 cover options | Limited Policy issuance can take days |
| Wellness + OPD | Yes Teleconsults, OPD and wellness bundled in | No Usually hospitalisation-only |
Built to move as fast as you hire
Onsurity is SME- and startup-native, so the admin fits a founder or a one-person people team — not a benefits department. Add or remove employees mid-cycle from the TeamSure dashboard, and new joiners get day-1 cover options with no medical check-up for issuance.
The plan covers your whole team as it really looks — full-time, contract, gig, freelance and interns — plus dependents. Treatment is cashless at 10,000+ network hospitals, and the Good Doctors claims concierge — real doctors — guides employees from pre-authorisation to discharge.
Instant activation means the benefit is live the day you sign off, so a new hire can be covered before their first week is out.
Frequently asked questions
On Onsurity, indicative starter plans run from roughly ₹199 to ₹699 per employee per month depending on sum insured and inclusions. For a 12-person team on a ₹3,00,000 mid-tier plan at about ₹399 per head, that is around ₹4,788 a month — paid monthly, with no annual lump sum. Your exact rate depends on team size, average age and the benefits you add.
Yes. Onsurity covers teams from as few as 2 members, including founders, so a 7–50 person startup is comfortably eligible. There is no requirement to hit the 20-member floor that traditional insurers often ask for, and no medical check-up is needed for issuance.
A ₹3,00,000 sum insured is the most common starting point for 7–50 person teams — it covers the large majority of hospitalisation events without over-paying. Lean pre-revenue teams sometimes start at ₹2,00,000, while startups hiring against funded competitors often pick ₹5,00,000. You can raise the cover at renewal as the team grows.
Yes. You add or remove members mid-cycle from the TeamSure dashboard as people join or leave — new joiners get day-1 cover options, and you are only billed for who is actually on the plan. There is no waiting for an annual renewal window.
No. Onsurity runs on a monthly subscription, so you spread the cost across the year instead of a single annual outlay. That protects runway for cash-tight startups, and you can cancel anytime rather than being locked into a 12-month term.
Ready to cover your team?
Get a startup group health quote and see your exact per-head price for the sum insured and add-ons you want — monthly, with no annual lump sum.
Get a startup quote