Employee Benefits · Onsurity Flex

Onsurity Flex: one budget, benefits each person chooses for themselves

Onsurity Flex gives every employee a benefits wallet to spend their way — across health, wellness, devices, learning and more. You set the budget and the categories; your team allocates it to what actually fits their life, all in one app.

✓Personalised for employees · Controlled and tax-smart for you

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A young Indian professional in a bright office choosing between benefit options on a smartphone

One budget

many benefits, per employee

Employee-led

allocation across categories

Tax-smart

structuring, handled for you

One app

to allocate, spend & claim

Onsurity Flex, right in the app

Every employee gets one wallet they control — see what’s covered, add their family, and build their own plan in a few taps.

Activate in a tap

See everything your employer covers, then activate.

Cover your whole family

Add spouse, parents and children to the plan.

Build your own plan

Super top-up, critical illness, OPD — pick what fits.

The same budget, worth more to everyone

Fixed benefits treat a 25-year-old and a working parent exactly alike — so a lot of the budget lands on perks people never use. Onsurity Flex turns that budget into a personal allowance each employee directs themselves. The employer keeps full control of the amount and the categories; the employee gets a package that finally reflects their own life. More usable value, less waste, and none of the spreadsheet overhead.

For employers

Modern benefits without the operational load

Set a budget, switch on categories, and hand your team a personalised programme — while Onsurity does the structuring, settlement and reporting.

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Set one budget, offer many benefits

Decide the Flex allowance per employee or grade and which categories are in play. One line in your benefits budget delivers a personalised package to everyone.

Spend that lands where it matters

Instead of one-size-fits-all perks that half the team ignores, every rupee goes to a benefit the employee actually chose — so perceived value per rupee climbs.

Tax-smart, admin-light

Run a modern flexible-benefits programme without spreadsheets or reimbursements piling up on HR. Onsurity structures, tracks and settles it — you approve the budget.

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A visible edge in hiring & retention

Flexible benefits signal that you trust your people to know what they need. It is a concrete differentiator on the offer table and at renewal-of-loyalty time.

For employees

Your benefits, your call

Put your allowance where it counts for you — and change your mind whenever life does.

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Benefits that fit your life

A new parent, a marathon runner and a first-time manager want different things. Flex lets each person direct their allowance to what actually helps them.

You allocate, you decide

Split your wallet across categories in the app — more into fitness this quarter, more into learning the next. Adjust as your priorities change.

One app to spend and claim

Browse categories, spend cashless where available, or upload a bill for reimbursement — your balance and history always a tap away.

More value from the same budget

Because your employer's allowance is structured smartly, you get more usable benefit for every rupee than an equivalent top-up in your salary.

Categories your team can spend across

Switch on the categories that fit your culture and budget — employees allocate within them.

Health & OPD

Doctor consults, medicines, diagnostics, dental and vision — top up everyday outpatient care when they need more of it.

Wellness & fitness

Gym and fitness memberships, mental-health support, nutrition and preventive programmes to stay at their best.

Devices & work setup

Home-office and productivity spends — the gear that helps people do their best work, wherever they work from.

Learning & development

Courses, certifications and upskilling — let people invest their allowance in growing their own careers.

Protection top-ups

Enhance personal cover — accident, term life or health add-ons — beyond the base plan the employer provides.

Family & lifestyle

Extend chosen benefits to dependants, so the whole family feels the value of the allowance — not just the employee.

How Onsurity Flex works

Three steps — one for you, one for your team, and none for your HR inbox.

Employer sets the Flex budget

Choose the allowance per employee or grade and switch on the benefit categories your team can spend across.

Employees allocate their wallet

Each person divides their allowance across the categories that matter to them, right inside the Onsurity app.

They spend, Onsurity settles

Cashless where available, reimbursement elsewhere. We verify, settle and report utilisation back to you — no HR paperwork.

Pairs well with

Add a dedicated OPD Wallet

Many employers run Flex alongside the OPD Wallet — a focused balance for everyday outpatient care: consults, medicines, diagnostics, dental and vision.

Explore OPD Wallet →

Frequently asked questions

What is Onsurity Flex?+

Onsurity Flex is a flexible employee-benefits programme. The employer sets a benefits budget per employee, and each employee allocates that wallet across the categories that suit them — health and OPD, wellness and fitness, devices, learning and development, protection top-ups and more — spending or claiming through the Onsurity app.

How is Flex different from a fixed benefits plan?+

A traditional plan gives everyone the same set of perks, and much of it goes unused. Flex hands each employee a budget and lets them direct it to what they actually value. The employer keeps control of the total spend and the categories; the employee gets a package that fits their life.

Does the employer keep control of the budget?+

Yes. The employer decides the allowance amount, which employees or grades receive it, and which categories are available. Employees choose only within those boundaries, and the employer sees live utilisation in the dashboard.

What can employees spend their Flex wallet on?+

The available categories are configured by the employer, and can span everyday health and OPD, wellness and fitness, devices and work setup, learning and development, protection top-ups, and family or lifestyle benefits. Employees allocate their wallet across whichever categories are switched on.

Is Onsurity Flex tax-efficient?+

Flexible benefits are structured to be more tax-smart than the equivalent amount paid out as salary. The exact treatment depends on the categories chosen and an employee's circumstances, so employees should confirm specifics with their own tax advisor. Onsurity handles the structuring and record-keeping so the programme stays compliant and easy to run.

How do employees actually use it?+

Everything happens in the Onsurity app. Employees see their balance, allocate it across categories, spend cashless where a partner supports it, or upload a bill for reimbursement — with their allocation and history always visible.

How is Flex different from the OPD Wallet?+

The OPD Wallet is dedicated to everyday outpatient care — consults, medicines, diagnostics, dental and vision. Onsurity Flex is broader: one allowance an employee can direct across many benefit categories, of which health and OPD is just one. Many employers run both together.

Roll out flexible benefits your team will love

Tell us your team size and priorities — we’ll design a Flex programme and show you the exact cost, no obligation.

Get a quote

Employer-controlled · Tax-smart · One app for your whole team

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