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12 questions every founder and HR lead should ask any insurance provider before signing. Covers coverage, pricing, benefits, and compliance — with Onsurity's answer to each.
Does the policy cover pre-existing conditions from Day 1, or is there a waiting period?
Why it matters: Many policies impose a 2–4 year waiting period on pre-existing diseases, leaving employees unprotected exactly when they need help most.
Onsurity: Onsurity Group Medical Cover (GMC) includes Day-1 cover for pre-existing conditions as standard — no waiting period for your team.
What is the average claim settlement time, and do you have a dedicated claims concierge?
Why it matters: A slow or opaque claims process is the most common reason employees lose trust in company-provided health benefits.
Onsurity: Average cashless claim authorisation in under 2 hours. Every account gets a dedicated claims support contact reachable via the Onsurity app.
Is cashless hospitalisation available at major hospitals in my city?
Why it matters: If the network hospital list is thin or outdated, employees are forced into out-of-pocket reimbursement even with a policy in hand.
Onsurity: Cashless at 10,000+ hospitals across India, including tier-1 and tier-2 cities. Search coverage by pin code in the Onsurity app.
Can I pay monthly, or is annual upfront payment mandatory?
Why it matters: Paying an annual premium upfront can strain a startup's working capital, especially in the first few years of growth.
Onsurity: Onsurity offers monthly subscription pricing — pay per active employee per month, no large lump-sum commitment.
Can I add or remove employees mid-policy without penalty?
Why it matters: Startups hire and churn fast. A policy that penalises mid-term changes will quickly create billing disputes and coverage gaps.
Onsurity: Add or remove members any time through the dashboard. Billing adjusts automatically in the next monthly cycle — no penalty, no admin fee.
What is the minimum group size, and what happens if my team shrinks below it?
Why it matters: Some insurers cancel or reprice the policy if headcount drops below 5 or 10, creating a cliff-edge risk for early-stage teams.
Onsurity: Onsurity covers teams from 2 members upward. There is no minimum-size reprice clause — your premium is locked per the member count that month.
Does the plan include OPD cover (doctor visits, medicines, diagnostics)?
Why it matters: Inpatient (hospitalisation) cover is table stakes. OPD cover is what employees actually use day-to-day and is a key differentiator.
Onsurity: OPD cover is built into every Onsurity plan — includes doctor consultations, pharmacy discounts, and diagnostic tests at partner labs.
Are wellness benefits (gym, mental health, dental) included or add-on?
Why it matters: Wellness benefits directly improve retention and reduce absenteeism, but are often gated behind expensive add-on riders.
Onsurity: Gym memberships, teleconsultations, mental health sessions, and dental check-ups are included (not add-ons) in all Membership-model plans.
Can employees add family members, and at what cost?
Why it matters: Family floater options make health benefits genuinely meaningful to employees — and cost far less when pooled through a group plan.
Onsurity: Employees can add spouse, children, and dependent parents. Dependent premiums are priced at group rates — typically 30–40% lower than individual policies.
Is the company/broker IRDAI-registered? What is the registration number?
Why it matters: Operating without IRDAI registration is illegal. Always verify before signing — fake brokers are a real risk in the SMB segment.
Onsurity: Onsurity is IRDAI-registered (Registration No. CA0836). You can verify directly at irdai.gov.in.
What is the claim rejection rate for this insurer over the last 3 years?
Why it matters: A high rejection rate signals either poor policy design, opaque exclusions, or an adversarial claims process — all red flags.
Onsurity: Onsurity partners exclusively with insurers carrying a claim settlement ratio above 95%. We publish insurer scorecards on request.
What support do employees get during hospitalisation at 2am on a Sunday?
Why it matters: Emergencies do not happen during business hours. If the helpline goes to voicemail at midnight, the policy has a material gap.
Onsurity: 24×7 claims helpline and in-app emergency assistance. A dedicated relationship manager escalates within 30 minutes for any hospitalisation, any day.
See how Onsurity answers all 12 →
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