Group Health Insurance for 10 Employees
A 10-person team in India typically pays about ₹300 to ₹1,180 per employee a month, depending on whether you pick ₹2 lakh or ₹5 lakh cover — roughly ₹36,000 to ₹1,41,600 a year for the whole team. A common ₹3 lakh starter plan lands near ₹430 to ₹640 per head each month. Ten lives clears the 7-life regulatory floor comfortably, so most insurers will quote you.
What a 10-employee plan costs by sum insured
Illustrative bands for a younger, metro-based team on single-employee cover. Your actual premium depends on age mix, location, family cover and claims history — use the ranges to size a budget, not as a quote.
| Sum insured | Per employee / month | Approx. per employee / year | Whole team (10) / year |
|---|---|---|---|
| ₹2,00,000 | ₹300 – ₹460 | ₹3,600 – ₹5,520 | ₹36,000 – ₹55,200 |
| ₹3,00,000 | ₹430 – ₹640 | ₹5,160 – ₹7,680 | ₹51,600 – ₹76,800 |
| ₹5,00,000 | ₹780 – ₹1,180 | ₹9,360 – ₹14,160 | ₹93,600 – ₹1,41,600 |
Ranges are typical, illustrative figures drawn from published 2025–26 SME group-health pricing, not a filed rate. Premiums are risk-rated per group; IRDAI-registered insurers set the final price.
Why 10 lives is a slightly pricier band per head
Group premiums fall as headcount rises, because a bigger pool spreads the cost of any single large claim over more people. On a 10-person team one hospitalisation can move the average sharply, so insurers load a little extra for that volatility. Per-employee rates are usually at their keenest around 25 to 49 lives, then flatten as experience rating takes over on larger groups.
The upside of a small team is speed and simplicity: no medical tests to get started, quick onboarding, and day-1 cover options so the benefit is live from the joining date. And because Onsurity bills monthly per active employee, a 10-person team never fronts a full year of premium to secure a good rate.
Minimum-group rules: does a 10-person team qualify?
Comfortably. Here is how the thresholds stack up — and why a low minimum matters when you are just below the classic insurer cut-off.
IRDAI floor: 7 lives
The regulator sets 7 lives as the minimum for a group policy. A life counts employees and their dependents, so a 10-employee team clears it with room to spare.
Traditional insurers: often 7–50+
Many PSU insurers prefer 100+ lives and several private insurers 50+. Below 7, most simply decline — which is where smaller teams get stuck.
Onsurity: from 2 lives
Onsurity issues a healthcare membership from as few as 2 lives, founders included, well under the classic floor — so a 10-person team is an easy yes, not an edge case.
What changes at 10 lives
Four things that shape pricing and cover when your team is around ten people.
You clear the regulatory floor
IRDAI treats 7 lives as the minimum for a group policy. A 10-person team — often more once dependents are added — sits comfortably above it, so most private insurers and every digital platform will quote you.
Priced on age, not claims
With no claims history yet, your premium is book-rated on the age profile of the team. A young 10-person team gets the keenest rate; a couple of older members moves the whole band up.
Family cover is cheap to add
At this size, extending a floater to spouse and up to two children usually adds only a modest per-head premium, because the pool is still small and simple to underwrite.
Mind the small-group loading
Some traditional insurers add a loading below roughly 15–20 lives. A monthly membership sidesteps the annual-lump-sum hit and lets you pay only for who is on the team each month.
One membership. Your whole team. No annual lump-sum.
Monthly billing per active employee, wellness and OPD included, and cover live from day one — from a 2-life minimum up to enterprise scale.
Get a group health quote
Cover a team of 10 the modern way
Onsurity issues a healthcare membership from as few as 2 lives, founders included, and bills monthly per active employee — so a team of ten never fronts a full year of premium in one cheque. Add joiners or remove leavers mid-cycle and billing trues up for the next month.
Wellness, OPD and day-1 cover come built into the membership rather than bolted on as costly riders — the same plan that starts small scales cleanly as you grow.
Estimate your own number
Group health premium calculator
Enter your headcount, age mix and sum insured to see an indicative monthly premium for your team.
Open the premium calculatorAdd accident & term life
Bundling group personal accident and term life with health often earns a combined discount. Size it here.
Open the GPA & life calculatorUnderstand what drives your premium
The levers that move a 10-person quote: sum insured, co-payment, waiting period, zone-based pricing and network hospitals.
New to group cover? Start with the group health insurance overview, or see the plan built for startups and SMEs.
Frequently asked questions
For a 10-person team, expect roughly ₹300 to ₹1,180 per employee a month depending on the sum insured — about ₹36,000 a year for the whole team on a ₹2 lakh plan, and up to ₹1,41,600 on a ₹5 lakh plan. A common ₹3 lakh starter lands near ₹51,600 to ₹76,800 a year for all ten.
Yes. IRDAI sets the group floor at 7 lives, and a life includes dependents, so ten employees clear it easily. Many traditional insurers still turn away teams under 7, but Onsurity issues a membership from as few as 2 lives, founders included, so a 10-person team qualifies comfortably.
Smaller groups pool risk over fewer people, so one large claim moves the average more. Insurers price that volatility in, which lifts the per-employee premium. Rates ease as headcount grows and are usually keenest around 25 to 49 lives, where the pool is broad but still nimble.
It costs more, but not linearly. On a 10-person team a ₹2 lakh plan runs about ₹300 to ₹460 per employee a month, while ₹5 lakh runs roughly ₹780 to ₹1,180. The jump buys far more headroom for a serious hospitalisation, which is why many employers pick ₹5 lakh once budget allows.
Not with Onsurity. Instead of a single annual premium, cover runs as a monthly subscription billed per active employee, so a 10-person team never has to find a year of premium in one cheque. Add or remove members mid-cycle and billing adjusts for the next month.
Ready to cover your team of 10?
Get a group health quote sized to your headcount and budget — monthly plans, wellness and OPD included, and cover live from day one.
Get a group health quote