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Group Health Insurance for 100 Employees
A 100-person team in India typically pays about ₹250 to ₹980 per employee a month, depending on whether you pick ₹2 lakh or ₹5 lakh cover — roughly ₹3,00,000 to ₹11,76,000 a year for the whole team. A common ₹3 lakh plan lands near ₹360 to ₹530 per head each month. At 100 lives the pool is broad enough that your own claims history, not just age, starts to set the price.
What a 100-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 (100) / year |
|---|---|---|---|
| ₹2,00,000 | ₹250 – ₹380 | ₹3,000 – ₹4,560 | ₹3,00,000 – ₹4,56,000 |
| ₹3,00,000 | ₹360 – ₹530 | ₹4,320 – ₹6,360 | ₹4,32,000 – ₹6,36,000 |
| ₹5,00,000 | ₹650 – ₹980 | ₹7,800 – ₹11,760 | ₹7,80,000 – ₹11,76,000 |
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 100 lives earns a keener per-head rate
Group premiums fall as headcount rises, because a bigger pool spreads the cost of any single large claim over more people. At 100 lives one hospitalisation barely moves the average, so the volatility loading a small team carries has all but disappeared. Per-employee rates are usually keenest from about 25 lives upward and flatten around 100, where experience rating takes the wheel.
That shift cuts both ways: a clean claims year can hold your renewal while the wider market rises, but a heavy year is priced straight back to you. It is why wellness and OPD cover that catch issues early matter more at this size — and why Onsurity bundles them in, rather than selling them as a costly rider.
Minimum-group rules: how a 100-person team is treated
At 100 lives you clear every threshold comfortably — so the question is less “will they quote?” and more “who competes hardest for the account?”
IRDAI floor: 7 lives
The regulator sets 7 lives as the minimum for a group policy. A 100-employee team sits far above it, so eligibility is never in doubt.
Traditional insurers: they compete
At 100 lives even PSU insurers that prefer large groups will quote, and private insurers pitch hard — giving you leverage on price, sum insured and servicing.
Onsurity: from 3 lives, built to scale
Onsurity issues a membership from as few as 3 lives, founders included, and the same self-serve model scales cleanly to 100 — no minimum to clear, no annual lump-sum.
What changes at 100 lives
Four things that shape pricing and cover once your team reaches around a hundred people.
Experience rating takes over
At 100 lives the insurer prices largely on your own claims history rather than the market book. A clean year holds your renewal steady; a heavy claims year is felt directly, which makes utilisation worth watching.
A corporate buffer becomes standard
A shared top-up pool that catches claims exceeding an individual’s sum insured is practical at this size — so one expensive hospitalisation does not exhaust a member’s cover or force an out-of-pocket bill.
Grade-based cover and wider families
Offering tiered sum insured by seniority, plus parents and larger dependent sets under one master policy, is straightforward at 100 lives — the pool absorbs the extra risk without a steep loading.
Volume leverage and dedicated servicing
A 100-life account earns real negotiating room, a named servicing contact, faster endorsements and monthly MIS — so onboarding a cohort of joiners is a dashboard task, not a broker chase.
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 100 the modern way
Onsurity issues a healthcare membership from as few as 3 lives, founders included, and bills monthly per active employee — so a team of a hundred 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 100-person quote: incurred claims ratio, corporate buffer, sum insured, co-payment and zone-based pricing.
Sizing across headcounts? Compare the plan for 50 employees and 200 employees, or read the group health insurance overview.
Frequently asked questions
For a 100-person team, expect roughly ₹250 to ₹980 per employee a month depending on the sum insured — about ₹3,00,000 a year for the whole team on a ₹2 lakh plan, and up to ₹11,76,000 on a ₹5 lakh plan. A common ₹3 lakh plan runs near ₹4,32,000 to ₹6,36,000 a year for all hundred.
A larger pool spreads the cost of any single big claim over more people, so one hospitalisation barely moves the average. Insurers price that stability in, which lowers the per-employee premium. Rates are keenest from about 25 lives upward and flatten around 100, where experience rating starts to dominate.
Around 100 lives, blended and experience rating take over: your incurred claims ratio — claims paid versus premium collected — becomes the main lever at renewal. Keep it healthy and you can hold or cut premium; let it run high and the next renewal loads. Wellness and OPD usage that catches issues early helps keep it in check.
Usually yes. A corporate buffer is a shared pool the whole group can draw on when a claim exceeds an individual’s sum insured. At 100 lives it is affordable and prevents a single major hospitalisation from wiping out a member’s cover — a common upgrade once a team crosses this size.
Not with Onsurity. Instead of a single annual premium for the whole team, cover runs as a monthly subscription billed per active employee, so a 100-person team never fronts a year of premium at once. Add or remove members mid-cycle and billing adjusts for the next month.
Ready to cover your team of 100?
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