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Employee Benefits · OPD Wallet
OPD Wallet — one balance for all your team’s everyday healthcare
The OPD Wallet is an employer-funded balance your team spends on doctor consults, medicines, diagnostics, dental and vision — cashless at partners or reimbursed straight to their bank, all in the Onsurity app. You load it and set the rules; they use it in minutes.
✓No waiting period — the wallet is live from day one
6 categories
of everyday care in one wallet
Cashless
at partner pharmacies, labs & clinics
3–5 days
typical reimbursement turnaround
No waiting
period — live from day one
Your OPD wallet, right in the app
Every employee sees their monthly wallet, spends it on consults, medicines and lab tests, and tracks the balance — all in the Onsurity Super App.
One monthly wallet
A fixed wallet from your employer — ₹0 from your salary within the limit.
Spend & save everyday
Doctor consults, medicines and lab tests, tracked in one place.
A benefit your team spends every month, not once a year
Most of a family’s health spending is everyday outpatient care — consultations, pharmacy bills and lab tests — the exact costs a hospitalisation policy leaves out. The OPD Wallet puts a defined balance in each employee’s hands for that everyday care, so people seek help early and HR never touches a receipt. It sits alongside your group health plan as the day-to-day companion to your hospitalisation cover.
For employers
Fund it once. Control it from one dashboard.
A predictable, high-visibility benefit that people notice — without the claims paperwork landing on your HR team.
Load a wallet, set the rules
Fund each employee's OPD Wallet and decide what it covers, from a single dashboard. Top up, pause or adjust allocations any time — no insurer paperwork for every change.
Predictable, transparent cost
You commit a defined wallet amount per employee, so OPD spend never runs away from you. Live utilisation reporting shows exactly how the benefit is being used.
Zero claims admin for HR
Onsurity runs verification, cashless settlement and reimbursement end to end. Your HR team never chases a bill or adjudicates a receipt.
A benefit people actually use
Hospitalisation cover sits unused in a good year. An OPD Wallet gets spent every month — visible, tangible value that lifts retention and offer-acceptance.
For employees
Everyday care, handled from your phone
No forms to hunt down, no out-of-pocket surprises — just a balance you can use whenever you or your family need care.
Everything in one app
See your balance, book a teleconsult, order medicines and upload a bill — all from the Onsurity app on your phone.
Cashless where it counts
At partner pharmacies, labs and clinics, the wallet pays directly — no upfront money, no waiting for a refund.
Fast reimbursement everywhere else
Used a doctor or lab outside the network? Snap the receipt in the app and the amount lands in your bank account, typically within 3–5 working days.
Cover for your family
Where your employer enables it, dependants can use the same wallet — so the whole family's everyday care is handled in one place.
What the wallet covers
Six categories of everyday healthcare, spendable cashless or by reimbursement.
Doctor consultations
In-clinic visits to GPs and specialists, plus teleconsults booked right inside the app — no minimum bill, no network restriction.
Pharmacy & medicines
Prescription and OTC medicine bills, paid from the wallet or reimbursed straight to the employee's bank account.
Diagnostics & lab tests
Blood panels, X-rays, ECGs, scans and health check-ups when prescribed by a registered practitioner.
Dental care
Routine consultations, scaling, fillings and extractions through partners like Clove Dental and Sabka Dentist.
Vision & eye care
Eye check-ups, refraction tests and spectacle or lens spends — everyday sight care that hospitalisation cover ignores.
Mental health
Confidential counselling and therapy sessions through partners like Amaha, bookable without touching the employee's pay.
How the OPD Wallet works
Simple for employees. Zero admin burden for HR.
01
Employer funds the wallet
You allocate an OPD Wallet to each employee and choose the categories it covers. It goes live instantly — no waiting period.
02
Employee spends on everyday care
Consults, medicines, diagnostics, dental, vision — paid cashless at partners or claimed by uploading a bill in the app.
03
Onsurity settles and reports
We verify and settle every transaction, credit reimbursements to the employee's bank, and show you live utilisation in the dashboard.
Frequently asked questions
Give your team an OPD Wallet
Tell us your team size and we’ll configure the right wallet and show you the exact cost — no obligation.
Get a quoteIRDAI-regulated · No lock-ins · Live from day one