Employer guides
Decision-ready guides for HR teams and founders buying group cover — the rules, the levers, and the business case, in plain language.
Is Group Health Insurance Mandatory in India?
The legal position for 2026 — ESI thresholds, IRDAI guidance, and why most employers offer GHI voluntarily.
Read guide →Managing Your Group Health Policy
The HR operations playbook for running a live policy — mid-term endorsements, CD balance, HRMS sync, joiner/exit workflows, and claim escalation.
Read guide →Employer Health & Social Security Compliance (2026)
The full pillar — Code on Social Security 2020, ESIC, EPF, gratuity, POSH, employees’ compensation and 18% GST on group premiums.
Read guide →Group Health Insurance Riders & Add-ons
Maternity, OPD, top-up, critical illness, parental cover — how to build a plan by stacking riders.
Read guide →Reduce Group Health Insurance Renewal Cost
Why renewals jump when your claims ratio runs hot, the plan-design levers that lower it, and a 45-60 day tender playbook.
Read guide →Super Top-Up for Employers
How a super top-up over a deductible affordably raises total cover — with a worked example.
Read guide →Statutory Compliance: PF, ESI, PT & Gratuity
A plain-language compliance primer with thresholds and how benefits fit.
Read guide →ESIC — Employer Guide to ESI Registration & Rates
ESIC full form, the ₹21,000 wage limit, 3.25% + 0.75% contributions, applicability, registration steps and where private group health fits.
Read guide →EPF — Employer Guide to PF Contribution & UAN
EPF is mandatory at 20+ employees — the 12% + 12% split on basic+DA up to ₹15,000, the 8.33% that funds EPS, UAN and registration.
Read guide →ROI of Employee Benefits
The CFO business case — how benefits pay back through retention, productivity and lower attrition.
Read guide →Structuring GPA & GTL Cover for Your Team
A practical guide to designing group personal accident and group term life for employees — sum insured, CTC multiples, free cover limit, grades and roles.
Read guide →Payment of Bonus Act: Eligibility & Calculation (2026)
How the Payment of Bonus Act works in India — 20+ employee applicability, the ₹21,000 wage limit, ₹7,000 calculation ceiling, and the 8.33%–20% bonus range.
Read guide →Maternity Benefit Act: Employer Compliance Guide (2026)
Employer duties under the Maternity Benefit Act in India — 26 weeks paid leave, the 10-employee threshold, creche rule, medical bonus and work-from-home option.
Read guide →HR Compliance Calendar for Indian Startups (2026)
A month-by-month HR & payroll compliance calendar for Indian startups — PF, ESIC, TDS, professional tax and annual filings, with recurring due dates.
Read guide →Gratuity Rules & Eligibility (2026)
Who qualifies for gratuity, the 15/26 formula, the ₹20,00,000 tax-exempt cap, the 30-day payment timeline and the pro-rata rule for fixed-term staff.
Read guide →Professional Tax by State
What professional tax is, why it varies by state, the ₹2,500 constitutional annual cap, which states do and don’t levy it, and the employer’s deduct-and-deposit duty.
Read guide →Tax-Efficient CTC & Salary Structuring
How to split CTC into tax-efficient components — basic pay, HRA, LTA, Section 80C, employer NPS and group health under Section 80D — with a worked ₹ example.
Read guide →TDS on Salary: Section 192, Slabs & How to Reduce It
How TDS on salary works under Section 192, the FY 2025-26 new-regime slabs, the ₹12,75,000 zero-tax threshold, and the employer’s deposit and Form 16 duties.
Read guide →Cover your team, the modern way
Onsurity group health is a monthly subscription with cashless treatment at 10,000+ network hospitals, day-1 cover and bundled wellness. Tell us your team size for an exact per-head price.
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