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12 products, one platform
Employee benefits and business insurance — everything your team needs, covered
Onsurity is a digital employee-benefits and business-insurance platform for India’s startups and SMEs. Explore 12 products — from group health insurance, OPD and flexible benefits to term life, business insurance, cyber and D&O cover — flexible, affordable, and fast to set up.
10,000+
Businesses trust Onsurity
20 Lakh+
Employees covered
10,000+
Cashless hospitals
~4 days
Avg cashless claim settlement
Employee benefits
Healthcare & wellbeing for every team member
From cashless hospitalisation to everyday OPD and mental health support — give your employees the full-stack care package that top companies offer, regardless of your team size.
Employee Healthcare
Comprehensive group health insurance (GMC) for your entire team. Cashless hospitalisation at 10,000+ hospitals, ambulance cover, and pre/post-hospitalisation benefits.
From ₹145/employee/moLearn more
Group Health Insurance
In-depth GMC plan options, sum insured choices, family floater add-ons, maternity cover and benchmark pricing tables for every team size and industry.
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OPD Benefits
Outpatient cover for everyday medical needs — doctor consultations, diagnostics, pharmacy, and specialist visits. Your team stays healthy without needing hospitalisation.
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OPD Wallet
An employer-funded wallet employees spend on everyday outpatient care — consults, medicines, diagnostics, dental and vision. Cashless at partners or reimbursed in the app.
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Onsurity Flex
One flexible benefits wallet per employee. Employers set the budget; employees allocate it across health, wellness, devices, learning and more — personal and tax-smart.
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Wellness Benefits
Mental health counselling, fitness reimbursements, yoga, nutrition support and more. Give your team what they need to perform at their best, body and mind.
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Personal Accident Cover
Financial protection for accidental injuries, permanent disability, and accidental death. A low-cost benefit that makes a meaningful difference when it matters most.
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Term Life Insurance
Pure group term life cover for your entire team at a fraction of individual policy cost. High sum assured, zero medical underwriting for eligible groups.
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All of it, in one app
Business insurance
Protect your business, not just your people
Statutory compliance, operational risk, cyber threats, leadership liability — Onsurity has a product for every risk your business faces as it grows.
Business Insurance
India's most comprehensive SME business insurance. Covers assets, operations, public liability, and your people under a single monthly subscription.
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Workmen's Compensation
Fulfil your statutory obligations under the Workmen's Compensation Act. Legal cover for workplace injuries and occupational diseases — no compliance gaps.
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Cyber Insurance
Protect your business against data breaches, ransomware, and cyber liability claims. Essential cover as digital threats grow more sophisticated every year.
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D&O Insurance
Personal liability protection for your directors and senior officers. Guard leadership against legal claims arising from strategic decisions, regulatory actions, and shareholder suits.
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The Onsurity difference
Why 10,000+ businesses choose us
We’re not a broker or an aggregator. We’re a tech-first platform that makes world-class employee benefits accessible to every Indian business.
Fast digital onboarding
From sign-up to live cover with no agents, no paperwork and no branch visits — the whole process runs online.
Start with 3 employees
No minimums, no lock-ins. Cover teams as small as 3. Add or remove members instantly from your dashboard.
IRDAI-regulated cover
Every product is underwritten by an IRDAI-licensed insurer. Real cover, fully enforceable — not a watered-down substitute.
Good Doctors concierge
Our team guides employees through every claim — cashless or reimbursement — so they never face a hospital alone.
Tax-efficient
Premiums are deductible under Section 37(1) of the Income Tax Act. Employees receive benefits tax-free under Section 17(2).
One dashboard, all benefits
Manage enrolment, claims, renewals, and employee self-service from a single Onsurity dashboard — web and mobile.
Tools, guides & explainers
Size up costs and get clear before you buy
Estimate premiums, benchmark your current policy, and learn the jargon — everything you need to choose the right benefits stack for your team.
Group Health Premium Calculator
Get an indicative per-employee/month cost for group health cover in seconds.
OpenIs your policy good enough?
Score your current group health cover out of 100 and find the gaps.
OpenGMC vs GPA vs GTL
Which group covers your company actually needs, compared side by side.
OpenWhat is sum insured?
How much your cover pays out — and how to pick the right amount.
OpenWaiting periods, explained
When each benefit kicks in, from day-one cover to pre-existing conditions.
OpenInsurance terms, explained
Co-pay, room rent, network hospitals, Section 80D and more.
OpenReady to compare plans for your team? Get a free quote.
Not sure which products are right for your team?
Our team will help you build the right benefits stack for your headcount, industry, and budget — no commitment required.