# Onsurity — Full page index

> Onsurity is India's employee health and benefits platform for startups and SMBs, built on a monthly subscription model: employers pay per employee per month instead of an annual lump-sum premium, and can cover teams from as few as 3 employees. Founded in Bengaluru in February 2020 by Yogesh Agarwal and Kulin Shah, Onsurity bundles group health insurance (GMC), group term life (GTL), group personal accident (GPA), OPD, teleconsultation and wellness into one SuperApp, with cashless claims at 10,000+ network hospitals and a TeamSure HR dashboard for administration. Onsurity operates as an IRDAI-registered corporate agent (CA0836 via ASIPL) and has paid ₹600 Cr+ across 100,000+ claims. This is the fuller index with a one-line summary for every high-value page; a shorter version is at /llms.txt.

## Products & solutions
- [Group Health Insurance](https://www.onsurity.com/group-health-insurance/): Onsurity's core product — cashless group medical cover (GMC) for employee teams billed monthly per employee, with day-1 activation, no medical check-up and cover from small teams.
- [Term Life Insurance](https://www.onsurity.com/term-life-insurance/): Group term life (GTL) that pays a lump sum to an employee's family on death in service, offered as an add-on to group health.
- [Personal Accident Cover](https://www.onsurity.com/buy-group-personal-accident-cover/): Group personal accident (GPA) cover for accidental death and permanent/temporary disability, including weekly income benefits.
- [OPD Cover for Employees](https://www.onsurity.com/employee-healthcare/opd-cover-for-employees/): Outpatient benefits covering doctor consultations, diagnostics, pharmacy and teleconsultation — the day-to-day healthcare most insurance ignores.
- [Solutions hub](https://www.onsurity.com/solutions/): Group health and benefits plans tailored by company size and industry.
- [Group health for startups](https://www.onsurity.com/group-health-insurance-for-startups/): Flexible cover for early-stage teams that add and remove headcount month to month, founders included.
- [Group health for SMEs](https://www.onsurity.com/solutions/group-health-insurance-for-smes/): Affordable, admin-light group cover designed for small and medium businesses.
- [Group health for IT & SaaS](https://www.onsurity.com/solutions/group-health-insurance-for-it-saas/): Benefits benchmarked to what technology teams expect, including wellness and OPD.
- [Group health for 10 employees](https://www.onsurity.com/solutions/group-health-insurance-for-10-employees/): How a 10-person team structures group cover, sum insured and dependents.
- [Group health for 50 employees](https://www.onsurity.com/solutions/group-health-insurance-for-50-employees/): Plan design, pricing and administration at a 50-employee headcount.

## Answers (direct-question pages)
- [Answers hub](https://www.onsurity.com/answers/): A hub of straight, cited answers to the questions employers most often ask about group health insurance.
- [How much does group health insurance cost per employee](https://www.onsurity.com/answers/how-much-does-group-health-insurance-cost-per-employee/): Group health insurance in India costs roughly ₹2,000–₹10,000 per employee per year for ₹1–5 lakh cover; explains the cost drivers and how monthly membership lowers it.
- [Minimum employees for group health insurance](https://www.onsurity.com/answers/minimum-employees-for-group-health-insurance/): Most insurers require 20+ members, but Onsurity covers teams from just 3 employees (founders included); explains how the minimum works and what counts as a member.
- [Can you add parents to group health insurance](https://www.onsurity.com/answers/can-you-add-parents-to-group-health-insurance/): Yes — most group plans let employees add parents as dependents for an extra premium; covers cost, age limits and waiting periods.
- [Best group health insurance for startups](https://www.onsurity.com/answers/best-group-health-insurance-for-startups/): A practical checklist for startup group health — cover from 3 employees, day-1 activation, no medical check-up, cashless hospitals and monthly billing.

## Calculators & tools
- [Group health premium calculator](https://www.onsurity.com/calculators/group-health-insurance-premium/): Estimate the monthly per-employee GMC premium by team size and sum insured.
- [GPA & GTL premium calculator](https://www.onsurity.com/calculators/group-personal-accident-and-term-life-premium/): Estimate group personal accident and term life premiums for a team.
- [Cover grader](https://www.onsurity.com/tools/cover-grader/): Free instant tool that grades your company's group health plan out of 100 across coverage adequacy, cost efficiency, wellness/OPD and claims support, with a red/amber/green breakdown benchmarked to Indian SME ranges — no sign-up to see the score.
- [Group policy benchmark](https://www.onsurity.com/tools/group-health-policy-benchmark/): Compare your policy terms against market norms for similar companies.
- [Build your group plan](https://www.onsurity.com/tools/build-your-group-plan/): Configure a custom group benefits plan step by step.

## Compare
- [Compare hub](https://www.onsurity.com/compare/): Side-by-side comparisons of platforms, products and cover types.
- [Onsurity vs Plum](https://www.onsurity.com/compare/onsurity-vs-plum/): Onsurity vs Plum for SMEs — monthly subscription vs annual premium, minimum lives, bundled wellness & OPD, admin dashboard, claims support and activation.
- [Onsurity vs Pazcare](https://www.onsurity.com/compare/onsurity-vs-pazcare/): Onsurity vs Pazcare — product breadth, monthly vs annual pricing, bundled wellness/OPD, claims support and admin dashboard, framed for employers.
- [Onsurity vs Loop Health](https://www.onsurity.com/compare/onsurity-vs-loop-health/): Onsurity vs Loop Health — membership model vs annual premium, cover breadth, in-house care vs concierge claims, employee tools and pricing.
- [Onsurity vs Niva Bupa](https://www.onsurity.com/compare/onsurity-vs-niva-bupa/): Onsurity vs Niva Bupa for group health — digital experience, Day 1 coverage, monthly billing, wellness benefits and claims support.
- [Onsurity vs Keka/Pluxee](https://www.onsurity.com/compare/onsurity-vs-keka-pluxee/): An integrated employee-benefits platform vs an HRMS-plus-benefits-card combo — where health cover, wellness, tax-saving cards and HR admin actually sit.
- [Plum alternative](https://www.onsurity.com/compare/plum-alternative/): For teams seeking a Plum alternative — how Onsurity compares on monthly subscription, minimum team size, bundled wellness/OPD, network and claims.
- [Pazcare alternative](https://www.onsurity.com/compare/pazcare-alternative/): For teams seeking a Pazcare alternative — the same monthly-vs-annual, breadth and claims comparison for SMEs.
- [Loop Health alternative](https://www.onsurity.com/compare/loop-health-alternative/): For teams seeking a Loop Health alternative — how Onsurity compares on model, minimum size, wellness/OPD, network and claims.
- [ESI vs group health insurance](https://www.onsurity.com/group-health-insurance-vs-esic/): How statutory ESI differs from a private group health policy, and when employers need both.
- [Group vs individual policy](https://www.onsurity.com/group-health-insurance-vs-individual/): The trade-offs between employer group cover and a personal retail health plan.
- [GMC vs GPA vs GTL](https://www.onsurity.com/group-personal-accident-vs-group-term-life/): What group medical, personal accident and term life each cover, and when to use which.
- [Best employee health platforms in India](https://www.onsurity.com/compare/best-employee-health-insurance-platforms-india/): An evaluation of the leading group health and benefits platforms in India.

## Guides
- [Guides hub](https://www.onsurity.com/guides/): Employer guides on group health, employee benefits and statutory compliance.
- [Is group health insurance mandatory in India](https://www.onsurity.com/guides/is-group-health-insurance-mandatory-in-india/): What the law actually requires of employers on health cover, and what remains voluntary.
- [Employer health & social security compliance 2026](https://www.onsurity.com/guides/employer-health-and-social-security-compliance-2026/): A 2026 map of employer obligations across health and social security regulations.
- [Reduce renewal cost](https://www.onsurity.com/guides/reduce-group-health-insurance-renewal-cost/): Practical levers to control group health premium at renewal without cutting cover.
- [Statutory compliance: PF, ESI, PT, gratuity](https://www.onsurity.com/guides/statutory-compliance-pf-esi-pt-gratuity/): A plain-English map of the core statutory obligations every Indian employer carries.
- [ESIC employer guide](https://www.onsurity.com/guides/esic-employer-guide/): ESIC full form, ₹21,000 wage limit, 3.25% + 0.75% contribution rates, 10-employee applicability, registration steps and where private group health fits.
- [EPF employer guide](https://www.onsurity.com/guides/epf-employer-guide/): EPF is mandatory at 20+ employees — 12% employee + 12% employer of basic+DA up to ₹15,000, with 8.33% funding EPS; covers UAN and registration.
- [Gratuity rules and eligibility](https://www.onsurity.com/guides/gratuity-rules-and-eligibility/): Gratuity is payable after 5 years, calculated as (15÷26) × last-drawn wage × years, tax-exempt up to ₹20,00,000 and paid within 30 days.
- [TDS on salary](https://www.onsurity.com/guides/tds-on-salary/): How employers deduct monthly TDS under Section 192, the new-regime slabs, and why salary up to ₹12,75,000 can attract zero TDS.
- [Professional tax by state](https://www.onsurity.com/guides/professional-tax-by-state/): Professional tax is a state-level salary tax capped at ₹2,500/year by the Constitution — rates and rules vary by state.
- [Group health insurance riders](https://www.onsurity.com/guides/group-health-insurance-riders/): A plain-English guide to maternity, OPD, top-up, critical illness, personal accident and parental riders and how to stack them.
- [Super top-up for employers](https://www.onsurity.com/guides/super-top-up-for-employers/): How a super top-up over a deductible raises total cover affordably, with a worked ₹ example and when it beats raising the base sum insured.
- [Managing your group health policy](https://www.onsurity.com/guides/managing-your-group-health-policy/): An HR operations playbook — mid-term endorsements, CD balance management, HRMS sync, joiner/exit workflows and claim escalation.
- [Tax-efficient CTC structuring](https://www.onsurity.com/guides/tax-efficient-ctc-structuring/): How to structure basic, HRA, LTA, Section 80C and group health under 80D to cut tax and boost retention, with a ₹ example.
- [Employee benefits ROI](https://www.onsurity.com/guides/employee-benefits-roi/): Reframes benefits from cost to investment — attrition/replacement cost, sick-day productivity, 80D efficiency and the TCO of insurance vs OPD-integrated membership.

## TPA guides (independent)
- [TPA hub](https://www.onsurity.com/tpa/): A plain-English guide to India's IRDAI-licensed health insurance TPAs — who they are, how cashless and reimbursement claims work, and how to check claim status.
- [Medi Assist](https://www.onsurity.com/tpa/medi-assist/): Independent guide to Medi Assist Healthcare TPA.
- [FHPL](https://www.onsurity.com/tpa/fhpl/): Independent guide to Family Health Plan (FHPL) TPA.
- [Raksha](https://www.onsurity.com/tpa/raksha/): Independent guide to Raksha Health Insurance TPA.
- [Vidal Health](https://www.onsurity.com/tpa/vidal-health/): Independent guide to Vidal Health TPA.
- [Paramount](https://www.onsurity.com/tpa/paramount/): Independent guide to Paramount Health Services TPA.
- [MDIndia](https://www.onsurity.com/tpa/mdindia/): Independent guide to MDIndia Health Insurance TPA.
- [Health India](https://www.onsurity.com/tpa/health-india/): Independent guide to Health India TPA.
- [Good Health](https://www.onsurity.com/tpa/good-health/): Independent guide to Good Health TPA.
- [Heritage Health](https://www.onsurity.com/tpa/heritage-health/): Independent guide to Heritage Health TPA.
- [Vipul MedCorp](https://www.onsurity.com/tpa/vipul-medcorp/): Independent guide to Vipul MedCorp TPA.
- [Genins](https://www.onsurity.com/tpa/genins/): Independent guide to Genins India TPA.
- [Ericson](https://www.onsurity.com/tpa/ericson/): Independent guide to Ericson TPA.
- [Medsave](https://www.onsurity.com/tpa/medsave/): Independent guide to Medsave Health Insurance TPA.
- [Safeway](https://www.onsurity.com/tpa/safeway/): Independent guide to Safeway TPA.
- [East West Assist](https://www.onsurity.com/tpa/east-west-assist/): Independent guide to East West Assist TPA.
- [Park Mediclaim](https://www.onsurity.com/tpa/park-mediclaim/): Independent guide to Park Mediclaim TPA.
- [Rothshield](https://www.onsurity.com/tpa/rothshield/): Independent guide to Rothshield Healthcare TPA.
- [Health Insurance TPA of India](https://www.onsurity.com/tpa/health-insurance-tpa-of-india/): Independent guide to Health Insurance TPA of India (HITPA).

## Learn (concepts)
- [Learn hub](https://www.onsurity.com/learn/): Full glossary of group health insurance concepts explained plainly.
- [Sum insured](https://www.onsurity.com/learn/sum-insured/): What sum insured means in a group health policy and how it caps a year's claims.
- [Room rent limit](https://www.onsurity.com/learn/room-rent-limit/): How room rent caps proportionately reduce claim payouts.
- [Co-payment](https://www.onsurity.com/learn/co-payment/): The share of an approved claim the insured pays out of pocket.
- [Waiting period](https://www.onsurity.com/learn/waiting-period/): When different benefits — including pre-existing conditions and maternity — become claimable.
- [Pre-existing disease](https://www.onsurity.com/learn/pre-existing-disease/): How prior medical conditions are defined and treated under group cover.
- [Cashless vs reimbursement](https://www.onsurity.com/learn/cashless-vs-reimbursement/): The two ways a group health claim is settled and when each applies.
- [Network hospitals](https://www.onsurity.com/learn/network-hospitals/): How cashless treatment works at empanelled network hospitals.
- [Top-up & super top-up](https://www.onsurity.com/learn/top-up-and-super-top-up/): Extending cover beyond the base sum insured with top-up and super top-up.
- [Section 80D](https://www.onsurity.com/learn/section-80d/): The tax treatment of health insurance premiums under Section 80D.

## Company & trust
- [Customers](https://www.onsurity.com/customers/): Real Onsurity customer stories filterable by industry, team size and outcome — faster claims, lower HR overhead, day-1 coverage — from startups to enterprises across India.
- [Trust & security](https://www.onsurity.com/trust/): How Onsurity keeps teams, data and money safe — IRDAI-registered corporate agent (CA0836 via ASIPL), DPDP Act 2023 compliance, India data residency, encryption in transit and at rest, transparent grievance redressal, and ₹600 Cr+ paid across 100,000+ claims.

## Research & resources
- [Blog](https://www.onsurity.com/blog/): Expert articles on HR policies, employee benefits, group health insurance and compliance for growing Indian businesses.
- [India group health insurance statistics](https://www.onsurity.com/research/india-group-health-insurance-statistics/): Data on group health cover, cost and adoption across India.
- [Employee benefits benchmark](https://www.onsurity.com/reports/employee-benefits-benchmark-india/): A benchmark report on employee benefits across Indian companies.
- [HR toolkit](https://www.onsurity.com/resources/hr-toolkit/): Templates and guides for HR managers running employee benefits.
- [Cashless hospitals](https://www.onsurity.com/cashless-hospitals/): Search Onsurity's network of cashless hospitals by city and state.

## Company facts & entity
- Legal name: Onsurity Technologies Pvt. Ltd.; brand name Onsurity; also referenced as Onsurity Technologies.
- Founded: February 2020 in Bengaluru, Karnataka, India.
- Founders: Yogesh Agarwal — Co-founder & CEO, a qualified actuary (LinkedIn: https://www.linkedin.com/in/yogesh-actuary); Kulin Shah — Co-founder (LinkedIn: https://www.linkedin.com/in/kcshah).
- What Onsurity is: an employee health and benefits platform for Indian startups, SMEs and MSMEs, built on a monthly per-employee subscription instead of an annual lump-sum premium, covering teams from as few as 3 employees. A single membership bundles group health insurance (GMC), group term life (GTL), group personal accident (GPA), OPD, teleconsultation and wellness in one SuperApp, with a TeamSure dashboard for HR.
- Regulatory status: IRDAI-registered corporate agent, registration number CA0836 (held via ASIPL). Compliant with the DPDP Act 2023, with India data residency and encryption in transit and at rest.
- Scale & track record: 2M+ members across 10,000+ companies; ₹600 Cr+ paid across 100,000+ claims; cashless treatment at 10,000+ network hospitals.
- Investors: IFC (a member of the World Bank Group), Nexus Venture Partners, Quona Capital and Creaegis (Series B led by Creaegis, joined by IFC, 2024).
- Headquarters: WeWork, 24th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102, India.
- Contact: customer care care@onsurity.com; press/media media@onsurity.com.
- Key entity pages: [About Onsurity](https://www.onsurity.com/about-us/) · [Trust & security](https://www.onsurity.com/trust/).
- Verified external profiles (sameAs): LinkedIn https://www.linkedin.com/company/onsurity · Crunchbase https://www.crunchbase.com/organization/onsurity · Tracxn https://www.tracxn.com/d/companies/onsurity · YourStory https://yourstory.com/companies/onsurity · X/Twitter https://twitter.com/onsurity · Facebook https://www.facebook.com/onsurity · Instagram https://www.instagram.com/onsurity_hq