Group Health Insurance for 50 Employees

For a 50-person team, budget roughly ₹265 to ₹1,040 per employee a month depending on the sum insured — about ₹1,59,000 a year for the whole team on a ₹2 lakh plan, and up to ₹6,24,000 on a ₹5 lakh plan. A common ₹3 lakh plan runs near ₹2,28,000 to ₹3,36,000 a year for all fifty.

It is close to ideal. Insurers price most sharply around 25 to 49 lives, where the pool is broad enough to absorb a big claim yet small enough to underwrite simply. At 50 you sit right in that keen band, and per-head rates are typically at or near their lowest before experience rating dominates.

It begins to. Below roughly 50 lives premiums are largely book-rated on age, but around this size insurers blend in your own claims data. A clean first year can hold your renewal steady, while a heavy claims run can lift it — which is why utilisation and wellness start to matter.

Yes. At 50 lives, grade-based sum insured is practical — for example ₹3 lakh for the wider team and ₹5 lakh for senior roles under a single policy. On Onsurity you manage every tier, endorsement and claim from one TeamSure dashboard rather than juggling separate policies.

Not with Onsurity. Cover runs as a monthly subscription billed per active employee rather than a single annual premium, so a 50-person team keeps cash free through the year. Onboard a cohort of joiners or remove leavers mid-cycle and billing trues up for the next month.