Employee Retention ROI Calculator

Industry research consistently places replacement costs between 50% and 160% of annual salary, depending on the role. Entry-level and frontline roles (salaries under ₹6L/year) typically cost 50% to replace — covering recruitment fees, onboarding, and productivity ramp-up. Senior roles (salaries above ₹30L/year) can cost 1.5–2× annual salary once you account for lost institutional knowledge, client relationships, and the extended ramp-up period for a replacement. The calculator uses a conservative multiplier of 0.5×–1.6× based on salary band.

Yes — multiple studies on Indian SMEs show 12–18% attrition reduction in teams with comprehensive health benefits vs. those without. The Aon India Benefits Survey (2023) found that health insurance is consistently the #1 factor employees cite when evaluating job offers and retention decisions. The effect is strongest for employees with dependants and in the ₹4L–₹20L salary band, where personal health emergencies pose a significant financial risk that employer-sponsored insurance removes entirely.

Onsurity's base GMC plan at approximately ₹145/employee/month provides group hospitalisation coverage for the employee and, optionally, family members. This is the base estimate used in the calculator — your actual cost depends on team size (larger teams get better per-head rates), average age profile (younger teams cost less), the sum insured you choose (₹2L–₹5L base), and any add-ons such as OPD, dental, or personal accident cover. Request a quote to get a precise figure for your team.

The 15% figure is the mid-point of a 12–18% range observed across Indian SMEs. The actual reduction you see will depend on your current attrition drivers. If health emergencies and lack of benefits are already cited in exit interviews, the improvement could exceed 20%. If attrition is driven by career progression or compensation gaps, the GMC impact may be closer to 10%. Even at the lower end, the cost-benefit maths typically remains strongly positive because GMC costs are so low relative to replacement costs.

You can cover a subset of your workforce — for example, permanent employees only, or those who have completed probation. However, IRDAI guidelines require that GMC be offered uniformly within a defined employee category (e.g., all permanent full-time employees at grade X and above). You cannot cherry-pick by individual. Onsurity supports flexible configurations; speak to our team to design the right scope for your organisation. Note that the retention impact is strongest when benefits are offered broadly rather than only to senior staff.