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Group Health Insurance
Group Health Insurance That Protects Your Team Against Any Medical Emergency
Give your team the healthcare they deserve. Get a customised group health cover with built-in health and wellness benefits.
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The Workplace Basic Every Team Deserves
Nearly 70% of working professionals in India don’t have personal health insurance. One hospitalization bill can wipe out years of personal savings. But health protection is not just a matter of personal risk. Your uninsured employee could also be one major health incident away from causing productivity drain.
Group health insurance, bundled with wellness perks, can ensure your team stays healthy and financially protected. It can also be a great way to boost employee morale and drive productivity. When designed well, group health cover does not just end up being a cost in your bottom line but a key ROI driver.
What is Group Health Insurance?
Group Health Insurance is a health insurance policy that covers your employees against medical emergencies. Unlike individual health insurance, group health coverage can be availed from day 1. Group health insurance plans are highly customisable and can offer extended protection to employees’ dependents.
Learn MoreRun employee healthcare from one dashboard
Onboard your team, track every claim in real time, and manage renewals, wellness and billing — all from the Onsurity TeamSure Dashboard. No spreadsheets, no broker calls.
Underwritten by our IRDAI-registered insurer partners
Take the Super App for a spin
Click through the real Onsurity Super App — book a doctor consult, order a lab test at home, track a cashless claim and manage your wallet. No sign-up, no gate. Use your arrow keys to move between steps.
Key Features of Group Health Insurance Benefits with Onsurity Membership
Cashless Claims Facility
Enables employees to access cashless treatments at 10,000+ network hospitals across India, reducing reimbursement hassles.
Zero Waiting Period
Employers can choose Day 1 coverage for the immediate healthcare protection of their employees.
Flexible Subscription Plans
Choose from monthly or annual plans that fit your business needs and budget. Paying monthly instead of an annual premium upfront can free up to 7% in working capital.
Easy Employee Onboarding
Onboard employees in minutes using Onsurity’s TeamSure Dashboard for simplified policy management.
Inclusive Family Plans
Covers diverse family structures, including parents, children, in-laws, siblings, and LGBTQIA+ partners.
Dependent Addition
Mid-term additions are allowed only for a newborn or newlywed spouse, and must be done within 90 days of the event.
Instant Health Card Access
Employees can download digital health cards for themselves and dependents for immediate access.
Instant Help with Whatsapp
WhatsApp bot, for quick, reliable healthcare support and answers to all queries.
Plan Info at a Glance
Employees can easily view plan details, inclusions, and coverage highlights in the Onsurity Super App.
In-Patient Hospitalisation
Covers 24-hour hospitalisation costs up to the sum insured, subject to sub-limits.
End-to-End Claims Support
The Good Doctors team assists from hospital admission to claim settlement for a smooth healthcare experience.
Pre- and Post-Hospitalisation Care
Covers medical costs before and after hospital stays, including diagnostic tests, follow-ups, and medications.
Seamless Hospitalisation Help
The Onsurity Super App can be used to raise cashless or reimbursement claims, ensuring support during medical emergencies.
Day Care Procedures
Covers short-term treatments that don’t require 24-hour hospitalisation.
Cashless Hospital Search
Easy location of cashless hospitals with a network of 10,000+ hospitals across India.
Maternity and Newborn Benefits
Covers maternity, baby Day-One care, and pre/postnatal care to support employees through parenthood. (Depending on plan inclusions)
Real-Time Claims Tracker
Live claim status updates via the Onsurity Super App, ensuring transparency and peace of mind.
Claims Management Made Simple
Access to all claims in one place. Digital avenues for raising both Cashless Pre-Authorisation approval and Reimbursement Claims.
Disclaimer: Specific features and coverage may vary depending on the plan chosen by the group or employer. Carefully reviewing the plan inclusions and exclusions before enrolling is crucial.
The numbers behind the features
Every claim we make is backed by a number — settlement speed, network reach and the members already covered.
Claims
average cashless claim settlement — no chasing, no paperwork pile-up.
Claims paid
disbursed to members across 1,00,000+ settled claims.
Teleconsult
you pay — free doctor teleconsultations are included in every plan.
Cashless network
cashless hospitals across 900+ cities and towns nationwide.
Wellness & reach
members and dependents covered under Onsurity memberships.
Figures are indicative of Onsurity’s cumulative scale; actual settlement time and inclusions vary by insurer, plan and claim.
Run the whole programme from the TeamSure dashboard
Onboarding, claims, billing, wellness and policies — every part of your team’s healthcare in one command centre. Click through the real TeamSure dashboard below; use your arrow keys to move between sections.
One membership. Every kind of care.
The old way meant a broker for insurance, a clinic for consults, a lab for tests and nothing for wellness — four vendors, four bills, four logins. Onsurity folds it all into a single monthly membership.
Doctor consults, lab tests at home, cashless hospitalisation claims, wellness benefits, group term life and OPD cover — one plan, one app, one place for your team’s entire health.
- Doctor consult
- Lab test
- Cashless claim
- Wellness
- Term life
- OPD
Why is Group Health Insurance Required?
In India, healthcare expenses are growing at an alarming rate. A single serious illness can deplete a lifetime of savings. With people paying 62% of healthcare costs out of pocket, strong health insurance is a must. An average Indian household spends 7.9% of its annual income on medical expenses. It’s no longer a choice. Source: PubMed Central
With rising healthcare costs, companies must prioritise employee well-being to enable a strong, healthy and motivated workforce. It supports employees’ health and reassures them that their employer cares for their well-being thereby boosting loyalty and productivity, cultivating a happier, more secure future for all.
Who Should Buy Group Health Insurance?
Group health insurance plans can be a game-changer, whether you are running a startup or a large corporation.
Startups
Up to 50 employeesProvide premium healthcare benefits while maintaining capital efficiency. Build trust from day one and compete for talent without inflating your payroll costs.
Mid-Sized Companies
51 to 250 employeesRetain and attract top talent in a highly competitive market. Keep your workforce healthy, engaged, and present as you scale operations.
Large Enterprises
More than 250 employeesProtect a large and diverse team, from office staff to field workers, under a single policy. Meet statutory and stakeholder compliance requirements at scale.
Advantages of Group Health Insurance
Healthcare benefits can be highly valuable for both employers and employees. Here are some of the benefits of offering Group Health Insurance: Overall, offering healthcare benefits can be a win-win for both employers and employees. Employers can attract and retain employees, improve productivity and morale. Employees can access affordable healthcare, and feel valued and supported by their employer.
Attract and retain employees
Healthcare benefits help attract and retain staff. Employers show they care by offering comprehensive health insurance, demonstrating commitment to employees’ well-being and enhancing retention.
Decrease Absenteeism and Improve Productivity
Employees with healthcare access are more likely to seek treatment, reducing missed workdays due to illness, leading to improved productivity and lowered absenteeism-related costs.
Improved Employee Morale and Job Satisfaction
Comprehensive health insurance benefits make employees feel valued and appreciated, enhancing morale, job satisfaction, and retention, ultimately boosting productivity and reducing turnover.
Affordable Healthcare
Group Health Insurance offers affordable healthcare for employees and their families, reducing financial stress from medical expenses and ensuring access to necessary care.
Comprehensive Health Coverage
Onsurity’s insurance partner(s) cover medical expenses, including hospitalisation, surgeries, and critical illnesses. Pre- and post-hospitalisation benefits are also included, ensuring complete care for employees’ health and well-being.
Family Plans
Employees can buy separate plans for dependents like spouses, children, and parents to the coverage on an affordable monthly subscription basis. These plans are highly customisable to meet the diverse needs of businesses and employees.
Cashless Treatment
Employees can access cashless treatments at a wide network of hospitals. The streamlined claim process ensures hassle-free care without upfront payments or extensive paperwork, for a smooth experience.
Dedicated Customer Support
Onsurity provides 24/7 support via a WhatsApp bot and real-time claims tracking, ensuring employees receive quick assistance with claims and queries for a smooth customer experience.
What’s covered in Group Health Insurance?
Room Charges
Depending on the plan, it may cover various room categories (single, twin, etc.)
Doctor fees
Consultation charges by specialists and surgeons within network and non-network hospitals.
Nursing care
Charges for nursing services during hospitalisation.
Psychiatric illnesses
Hospitalisation for treatment of psychiatric illnesses if necessitated is covered.
Diagnostic tests
Coverage for necessary X-rays, blood tests, and other diagnostic procedures.
Operation theatre charges
Costs associated with surgical procedures.
Pre-existing conditions
Depending on the plan, coverage for pre-existing conditions may be available.
Pre-hospitalisation
Diagnostic tests, consultations, and medications in a certain period before hospitalisation. Typically, this is covered as mentioned in the health insurance policy.
Day care procedures
Day care treatment refers to medical treatment, and/or surgical procedure which is undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hrs.
Post-hospitalisation
Medications, physiotherapy sessions, and follow-up consultations for a specific period after discharge. Typically, this is covered for as mentioned in the health insurance policy.
Ambulance cover
Ambulance expenses are covered up to ₹10,000 per hospitalization event. The limit may vary based on the plan chosen.
Additional Inclusions (Vary by Plan)
Maternity Benefits
Covers normal and C-section deliveries, along with pre-natal and post-natal care expenses.
Organ Donor Cover
Charges for nursing services during hospitalisation.
Newborn Baby Cover
Consultation charges by specialists and surgeons within network and non-network hospitals.
AYUSH Treatment
Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments covered for select sum insured options.
Co-pay
No co-payment for employees, spouse, and children. For parents, co-pay may vary based on the plan chosen.
Waiting Period
The initial 30-day, Covid-19, accidental hospitalisation, 1-year specific illness, and 9-month maternity waiting periods are all waived off.
Widow/Widower Cover
Most group policies end a family's cover with the employee. With Onsurity, the surviving spouse and dependents can continue to stay protected.
Bereavement Cover
If an employee passes away during hospitalization, the final bill is settled up to the sum insured by waiving co-payments and non-medical charges.
Enhance your plan with add-ons
Tailor your benefit package to match your team demographics and hiring goals. These optional covers sit on top of the base plan.
OPD Cover
Covers doctor consultations, pharmacy bills, and diagnostic tests — the everyday healthcare costs that a standard hospitalisation policy doesn't touch. Dramatically increases benefit utilisation.
Add to quote →Maternity Benefits
Normal delivery, C-section, and new-born baby cover from day one of the newborn life. Subject to a 9-month waiting period. A powerful recruiting tool for family-planning employees.
Add to quote →Critical Illness
Lump-sum payout on first diagnosis of 36 critical illnesses including cancer, heart attack, and stroke. Covers income loss during extended recovery — not just medical bills.
Add to quote →Personal Accident
Covers accidental death, permanent total disability, and partial disability with a lump-sum benefit. Especially valuable for field teams, sales staff, and blue-collar workers.
Add to quote →What’s not covered in Group Health Insurance?
While Group Health Insurance offers valuable protection, it’s essential to understand what is not covered. Here are some common exclusions:
Self-inflicted injuries and intentional harm
Experimental or investigational treatments
Cosmetic and aesthetic treatments
Outpatient expenses
Normal childbirth and routine pregnancy expenses
Addiction treatment
Dental and vision care
Group Health Insurance Plan Configurations
Depending on your organisation’s size and requirements, Group Health Insurance plans can be availed in the following configurations:
STARTER
Opal
2 Lakhs sum insured cover₹135/ employee / month*
Dependable cover with added wellness for compact teams.
- GHI Sum Insured (INR) by insurance partner2 Lakhs
- Discounts on medicines per monthUp to 20% off on 5 orders
- Discounts on Health check-ups per monthUp to 65% off on 5 orders
- Good Doctor’s Concierge servicesAvailable
- Free Tele consultation2 free consultations. 1 for every 3 months of continued subscription
BEST SELLER
Ruby
3 Lakhs sum insured cover₹165/ employee / month*
Stronger cover paired with generous everyday wellness benefits.
- GHI Sum Insured (INR) by insurance partner3 Lakhs
- Discounts on medicines per monthUp to 20% off on unlimited orders
- Discounts on Health check-ups per monthUp to 65% off on 5 orders
- Good Doctor’s Concierge servicesAvailable
- Free Tele consultation3 free consultations. 1 for every 3 months of continued subscription
COMPLETE
Jade
5 Lakhs sum insured cover₹225/ employee / month*
Top-tier protection with unlimited wellness savings.
- GHI Sum Insured (INR) by insurance partner5 Lakhs
- Discounts on medicines per monthUp to 20% off on unlimited orders
- Discounts on Health check-ups per monthUp to 65% off on unlimited orders
- Good Doctor’s Concierge servicesAvailable
- Free Tele consultation4 free consultations. 1 for every 3 months of continued subscription
*Indicative per-employee monthly pricing. Your final premium depends on team size, age mix and the exact cover and wellness benefits you choose — we’ll build a plan around your budget.
What are the Eligibility Criteria to Purchase Onsurity Membership with Group Health Insurance?
Business Registration
The company must be registered in India and must have a valid GST number. This includes a private limited company, LLP, partnership, or sole proprietorship.
Minimum Team Size
Onsurity requires a minimum of 3 employees, including founders, to clear eligibility for the Membership.
Employee Categories
Depending on the plan, both full-time and part-time employees, interns, freelancers, gig workers, and contract staff can be covered.
Age Limits
Age eligibility varies by insurance policy. It usually covers employees and their dependents (spouse, children, parents).
How to Apply for a Group Health Insurance Claim in the Onsurity Membership?
Raising a cashless or reimbursement claim is an easy process that can be done on the Onsurity Super App. Checking for Network Hospitals to avail cashless facility is also made easier in the ‘Search Cashless Hospitals’ section. Here’s a ready-reference step-by-step guide to the claim-raising process.
- 1
Log In
Log in to the Onsurity Super App using the registered mobile number. Under “Health Insurance” please go to ‘Hospitalisation Assistance’. Click on ‘Raise a request’. Fill in the necessary details and ‘Submit’. The request reaches the Good Doctors team at Onsurity, who will get back to you and explain the details of the cashless process.
- 2
Pre-Authorisation Approval
The member is expected to submit the mentioned documents at the insurance counter or the TPA desk of the hospital. The hospital then raises a cashless request. The member will wait for the pre-authorisation approval for the suggested treatment.
- 3
Review by TPA/Insurer
Once you submit your documents to the TPA/insurer, they’ll examine them carefully. Depending on their assessment, they’ll communicate one of three possibilities: either there’s a shortfall in the documents, the initial claim is approved, or the claim is rejected. They’ll notify both the hospital and the member accordingly.
- 4
Final Bill and Discharge Summary
Once the treatment is done, the hospital will provide you with the final discharge summary and all the bills. On the basis of your initial approval, the further discharge details will be shared with the insurer. Once the insurer finally verifies everything, you can pay the remaining standard non-admissisable items, co-pay, sub-limit excess etc. as per terms and conditions. Once everything is settled you will be discharged.
- 1
Log In
Log in to the Onsurity Super App using your registered mobile number. Navigate to the health insurance section and proceed to the claims tab, where you can submit pre-hospitalisation, hospitalisation, and post-hospitalisation claims. Remember to upload soft copies of the required documents. It is important to retain all original documents, as the insurer may request them if necessary.
- 2
Review by Good Doctors
Documents uploaded via the app are received by the Good Doctors team. They go through the documents to check if all documents are in place. Based on the availability of the documents, a shortfall may be raised, or the case is filed to the TPA.
- 3
Submission and Processing
Once all the documents are collected by the Good Doctors team, the documents are filed to the TPA. Based on the merit of the documents, the case may be approved, rejected, or queried for additional required documents. If queried, the documents once shared by the member follow Step 1 and Step 2.
- 4
Settlement or Rejection
Approved cases will be processed for payment. Once the payment is deposited into the member’s account, the case will be considered settled. If a claim request is rejected, the member will be informed accordingly.
Disclaimer: Onsurity acts as a group administrator, offering support during cashless requests and claims reimbursement processes. However, the ultimate authority for the approval, validation, and payment of claims lies with the insurance company. Additionally, the list of hospitals within the network is subject to change and is updated periodically. Therefore, it is advisable to verify the availability of cashless services by inquiring at the hospital’s insurance counter before admission, to prevent any unforeseen complications.
Meet the Good Doctors Team
Dedicated medical experts who support your employees from hospital admission through claim settlement — not just a claims helpline.
Hospital Admission Support
A Good Doctors expert guides your employee through pre-authorisation, paperwork, and coordination with the hospital — from the moment they arrive at the gate.
Live Claim Tracking
Every claim stage — document received, under review, approved, settled — is visible in real time via the Onsurity app. No calls, no waiting, no uncertainty.
24/7 WhatsApp Access
Employees reach the Good Doctors Team directly on WhatsApp — around the clock. Medical questions, claim status, network hospital lookup: one message, instant response.
10,000+ hospitals across India
Onsurity partners with 10,000+ network hospitals spanning every major metro and hundreds of tier-2 and tier-3 cities. Whether your employee is in Mumbai or Mangaluru, a cashless hospital is close by.
The cashless process is seamless: the employee presents their digital health card, the hospital submits a pre-authorisation request, and the insurer settles the bill directly with the hospital. No advance payment, no reimbursement chase.
MumbaiDelhi NCRBengaluruHyderabadChennaiPuneKolkataAhmedabadJaipurKochi900+ more cities
10,000+
Network hospitals nationwide
900+
Cities and towns covered
~4 hrs
Average pre-authorisation time
₹0
Out-of-pocket for cashless claims
Documents Required for Making a Claim Under Corporate Medical Insurance
A crucial part of the process of a group health insurance claim is the timely submission of all required documents. Here’s what you need to prepare:
A filled-out claim intimation form.
Prescribed medicines and follow-up consultation memos.
All original medical bills and reports.
Invoices of all medical tests and diagnosis reports.
KYC Documents
Discharge summary from the hospital.
A copy of the FIR or death certificate if applicable.
Evidence of your policy, like the health card.
Pre-authorisation letter from your third-party administrator.
Types of Groups Covered in Onsurity Membership
Modern workforces don’t look the same anymore, and healthcare benefits shouldn’t either. Onsurity membership covers all.
Types of Group Insurance available in an Onsurity Membership
Companies can offer various types of group insurance plans to their employees. Below are some of the most common types of group insurance plans available in India.
Group Health Insurance
This covers the medical expenses of all employees in a company. Typically, the employer pays for the insurance, but the cost is often factored into the employee’s overall compensation or CTC (Cost-to-Company).
Group Personal Accident Insurance
This is a type of insurance that provides financial compensation in case of injury or death due to an accident of the employee.
Group Term Life Insurance
This policy pays a fixed sum assured to the nominee in case of the employee’s death. Employees can add the nominee at the time of onboarding.
Difference Between Group Health Insurance and Individual Health Insurance
To secure employees’ health, employers must understand the differences between group and individual health insurance. Each type has distinct features and benefits, and recognising these differences is crucial. By valuing these distinctions, employers can choose the most suitable plan for their workforce.
Customise Your PlanGroup Health Insurance
It covers a group under a single policy.
The cost is often lower due to shared risk across the group.
However, continuity of coverage might be an issue if an employee leaves your organisation.
Individual Health Insurance
Provides personalised coverage tailored to the policyholder’s needs.
May command higher premiums, especially for those with health risks.
It ensures continuity. The policy can accompany the insured beyond their employment with your firm.
Things to Consider When Comparing Onsurity Membership vs Traditional Healthcare Benefits
Standard Health plans by Onsurity are just a starting point. What sets these plans apart is that they can be customised in whatever way you like, to fit your organisation’s exact needs.
Customise Your PlanWhy Choose the Onsurity Membership with Group Health Insurance?
Onsurity is a holistic healthcare partner designed to create a healthier, happier, and more productive workplace. Here’s why employers should choose the Onsurity Membership with Group Health Insurance:
Boost Retention & Engagement
Enhance employee morale and reduce attrition with Onsurity’s healthcare memberships, offering tailored benefits like health check-up camps, eye check-ups, dental screenings, and more—all customised to fit team needs and budgets.
Seamless Team Management
Onsurity’s TeamSure Dashboard simplifies HR processes—streamlining onboarding, offboarding, payments, claims, and membership management—making employee healthcare administration quick and efficient.
Flexible & Inclusive Healthcare
Enroll teams of two or more, including full-time employees, contract workers, freelancers, and gig workers. With no mandatory health check-ups, Onsurity ensures instant activation and hassle-free access to healthcare.
Smart Payment Options
Reduce financial strain with Onsurity’s flexible payment plans—monthly, quarterly, or annual—allowing businesses to manage healthcare investments without hefty upfront costs.
Tech-Driven Approach
100% Digital Claims Management: Fast, hassle-free claims processing through the Onsurity Super App. Cashless Network Access: Check cashless hospital networks on the go. Super App Benefits: Access doctor consultations, discounts on medicines with doorstep delivery, lab tests, fitness memberships, and more all at a single platform.
Human-Centric Touch
Dedicated Claims Concierge: Experienced doctors guide employees during hospitalisation, ensuring personalised assistance at every step. WhatsApp Support: Instant query resolution through a responsive super bot. Account Manager Support: A dedicated manager helps with onboarding, queries, and smooth policy management.
Instant Digital Onboarding
Employees are onboarded in minutes — digital health cards, policy details and coverage available instantly in the Onsurity Super App, no paperwork.
Everything in One App
Doctor consultations, cashless hospital search, claim tracking, medicine delivery and wellness benefits — all in a single, easy-to-use app.
Real-Time Claim Transparency
Live claim status — Submitted, Processing, Approved — so employees always know where their claim stands, with no follow-up needed.
Human Support, Always On
A dedicated Claims Concierge of real doctors plus instant WhatsApp support guide employees through hospitalisation, every step of the way.
Physical Health
Discounts on Cult Fit and FITPASS memberships.
Dental Care
Access to Sabka Dentist and Clove Dental memberships at slashed prices.
Mental Wellness
Affordable mental health counselling sessions with Amaha.
Elder Care
Dedicated programmes for parental care complete with safety, social bonding and well-being wih Emoha
Nutrition
Personalised diet plans and guidance on how to eat better with Anupama Menon’s comprehensive programme.
Healthcare
Exclusive discounts on Health Check-ups, Teleconsultations, and Medicine orders
Track every claim, live
Employees and HR see claim status update in real time — Submitted, Processing, Approved — right inside the TeamSure Dashboard and Onsurity Super App. Full transparency, zero follow-up emails.
Holistic Healthcare Membership = Better Work Culture and Better Employee Satisfaction
The key to great employee healthcare is comprehensive, customisable and affordable plans with all-round wellness services that are financially optimal — traditional employee benefits just won’t do for the 21st-century workforce.
Comprehensive
All-round wellness plus in-patient cover in one membership — nothing left to chance for your team.
Customisable
Plans you shape to your team’s exact needs, budget and size — never one-size-fits-all.
Affordable
Priced to sit lighter on the books than the market, on a flexible monthly subscription.
Value-added services
Teleconsults, medicine and lab discounts, mental wellness and more — well beyond just insurance.
“We moved to Onsurity and activated GHI and GPA coverage for our distributed workforce in just one day — the product experience has been easy and efficient for everyone.”
Kinetic Green
Rupali Yadav
AM Human Resources
Get The Complete People Protection Stack
Give your employees total peace of mind with Onsurity’s bundled health and wellness solution. Customize it as per your team’s unique needs and get the best quote from top providers.
Group Personal Accident Insurance
Accidental death and disability cover that sits alongside your health plan.
Explore →Group Term Life Insurance
Employer-sponsored life cover paying a lump sum to an employee’s nominee.
Explore →Corporate Wellness
Doctor consults, health check-ups and everyday wellness on the Onsurity Super App.
Explore →What Our Customers Say
Hear directly from our customers about the unique ways we were able to partner with them to provide the best care we can for them and their people.
“Our collaboration with Fi has been built on a shared belief - that modern professionals deserve healthcare that is simple, preventive, and genuinely supportive of their everyday wellbeing.”
Surbhi Moghe
Director, Corporate Sales, Fi
“Our association with Snabbit has been rooted in a shared focus on making employee wellbeing accessible, practical, and easy to engage with in fast-growing teams.”
Shrey Sangani
Special Project, Snabbit
“For Mintoak, employee wellbeing wasn’t about adding more programs, it was about offering practical benefits employees would actually use.
Saumya Srivastava
Head of Human Resource Mintoak
Tools, guides & explainers
Size up costs, benchmark your policy, and get clear on the jargon before you buy.
Group Health Premium Calculator
Get an indicative per-employee/month cost in seconds.
Open →Is your policy good enough?
Score your current group cover out of 100 and find the gaps.
Open →GMC vs GPA vs GTL
Which group covers your company actually needs.
Open →ESI vs Group Health Insurance
What ESI covers, and where a GHI plan fits.
Open →GHI for Startups
A starter stack and pricing built for early teams.
Open →Waiting period, explained
When pre-existing and specific conditions become claimable.
Open →Sum insured, explained
What the cover limit means and how to size it for your team.
Open →Section 80D tax benefits
How group cover saves tax for your company and your team.
Open →Insurance terms, explained
Co-pay, waiting period, room rent, sum insured & more.
Open →What a group health insurance policy covers
Inclusions, exclusions and how to pick the right policy.
Open →Group health insurance plans compared
A buyer's guide to plan options for growing teams.
Open →Corporate health insurance guide
Meaning, benefits and key features for employers.
Open →Group mediclaim policy for employees
How group mediclaim works and why teams need it.
Open →Tax benefits of group health insurance
How group cover saves tax for your company and team.
Open →Group Term Life Insurance for employees
Employer-sponsored life cover that pairs with your GHI plan.
Open →Group Personal Accident cover
Add accidental death & disability protection for your team.
Open →Insurance concepts hub
Definitions, comparisons and explainers, in one place.
Open →Corporate wellness programs
Doctor consults, OPD and wellness benefits for your team.
Open →Frequently Asked Questions
1. Who is eligible for group health insurance coverage?
Any organization, startup, cultural or social establishment, or any group with a common interest can purchase a group health insurance policy. According to the insurance regulator, any company or group with at least 20 members can buy a group health insurance plan. Any business that consists of 3 or more employees can opt for Onsurity’s group health insurance plans. Onsurity offers healthcare plans to startups, SMEs (Small and Medium sized Enterprises) growing businesses, helping them protect their employees from financial burdens during times of medical emergencies.
2. Can small businesses qualify for Onsurity group health insurance plans?
Any company that has a minimum of 3 or more employees can qualify for Onsurity’s healthcare membership. Onsurity works with more than 10,000 companies pan India and has touched over two million lives.
3. What types of coverage are typically included in a group health insurance plan?
Group health insurance typically covers expenses linked to hospitalisation. This includes costs related to surgery, diagnostic tests, doctor fee, certain medications, room charges, ambulance cost etc. Onsurity’s holistic healthcare plans also offer a wide range of wellness benefits such as free doctor consultation, discounts on lab tests and medicines, nutrition plans, mental wellness solution and a lot more, in addition to group health insurance benefits.
4. How does group health insurance differ from individual health insurance?
Group Health Insurance is provided to an employee by an employer where premiums are either entirely borne by the employer or divided between the employer and employee. It offers standardized benefits across all employees covered under the policy. Individual insurance policy, on the other hand, requires an individual to choose a policy based on their own needs and pay the premium out of their own pocket.
5. How many members/employees can be covered under group health insurance?
There is no upper limit set on how many individuals can be covered under a group health insurance policy. However, there could be a minimum requirement for the number of individuals needed to form a group. Insurance companies typically require a minimum of 20 or more employees. However, Onsurity offers its healthcare plans to companies that have as few as 3 employees as well.
6. Can part-time employees be included in an Onsurity group health insurance plan?
Yes, Onsurity’s healthcare plan allows businesses to cover multiple individuals across various roles. From gig workers and interns to contractual employees, all kinds of employees can be onboarded into Onsurity’s holistic healthcare plans.
7. Are pre-existing conditions covered under Onsurity’s group health insurance plan?
Onsurity’s group health insurance extends coverage to a wide array of pre-existing conditions, including diabetes, asthma, thyroid issues, hypertension, and numerous others. However, based on the group size and average age of the group, there could be a short waiting period applicable for pre-existing diseases.
8. How do employer contributions work for group health insurance premiums?
Typically, employers bear the complete cost associated with group health insurance plans for employees. This is usually included in the CTC. In cases where the employer is unable to cover the employees’ dependents, they may offer an option where employees can pay the premiums for their family. This way the cost is split between the employer and the employee.
9. Can employees customise their coverage options within a group health insurance plan?
Onsurity’s healthcare plans allow companies to choose from a wide array of options to suit their business and employees’ needs. They can pick a plan that aligns better with their budget and requirements. Onsurity also gives companies the option to tweak the plans at regular intervals, if required.
10. Can employees customise their coverage options within a group health insurance plan?
Yes, Onsurity’s group healthcare plans are curated such that the coverage of the policies can be extended to the employees’ dependents as well. Onsurity’s group health insurance plan covers spouse, parents, children, siblings, and LGBTQIA+ partners as well.
11. Can employees keep their group health insurance coverage if they leave the company?
No! Since group health insurance policies are extended from the organisation’s side, once the employee decides to leave the company, they can no longer leverage their group health insurance plan. However, to ensure continuous coverage, individuals can buy a retail health insurance plan that suits their needs.
12. Are wellness programs and health checkups included in group health insurance plans?
Onsurity’s healthcare plans go beyond just health and life insurance benefits. Plans include wellness benefits such as free doctor consultations, big savings on health check-ups, doorstep delivery of medicines, fitness and nutrition plans, mental health solutions and a lot more.
13. What is the waiting period for the Onsurity Group Health Insurance Policy?
The waiting period can vary based on the type of healthcare plan opted for and the specific terms and conditions associated with it. The longest waiting period often relates to pre-existing conditions, ranging from 24 to 48 months (about 4 years). However, with some of Onsurity’s group healthcare plans, you can get your team’s health secured from day 1.
14. Can maternity coverage be included in a group insurance policy for employees?
Yes, maternity coverage is one of the key additional elements in a group health insurance plan. Onsurity offers the option to add maternity benefits based on the company’s requirements. This also covers pre- and post-natal care.
15. Can employees opt out of group health insurance if they have coverage elsewhere?
It’s beneficial to have an employer-sponsored group health insurance plan as it ensures adequate financial protection in the event of any medical emergency. An individual can have multiple health insurance policies so it’s not advisable to opt out of the GHI plan, particularly if the cost is being borne by the company.
16. What happens to group health insurance coverage if an employee is terminated or laid off?
In the case of termination or layoffs, employees can no longer avail themselves of the benefits of their employer-sponsored group health insurance plan.
17. Are there any tax benefits for employers who offer group health insurance?
Employers become eligible for tax benefits under the Indian Income Tax Act, 1961, when they pay premiums towards employees’ insurance coverage. Premiums paid are considered under the company’s expenses. However, it’s advisable to check with the insurer or the intermediary about the kind of tax benefits that are available for the plan opted by you.
18. How is the cost of group health insurance typically shared between employers and employees?
Typically, employers bear the complete cost associated with group health insurance plans for employees. This is usually included in the CTC. In cases where the employer is unable to cover the employees’ dependents, they may offer an option where employees can pay the premiums for their family. This way the cost is split between the employer and the employee.
19. What is the difference between GMC and GPA insurance?
GMC (Group Medical Cover) covers hospitalisation costs — room charges, surgery, medicines and ICU. GPA (Group Personal Accident) covers accidental death and disability. They complement each other, and many employers bundle GMC and GPA together for comprehensive protection. Onsurity offers both under a single membership.
20. Is group health insurance mandatory in India for companies?
Group health insurance (GMC) is not mandatory for private companies under central law, though some states and industries have specific requirements. Post-COVID, health insurance for on-site employees was widely mandated, and many startups and SMEs now offer GMC voluntarily as a key employee benefit. With Onsurity, plans are available for teams as small as 3 employees, making it accessible even for early-stage businesses.
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