Group Health Insurance for SMEs & Growing Businesses
Onsurity gives an SME enterprise-grade employee healthcare without the enterprise overheads: a self-serve TeamSure dashboard, wellness and OPD bundled at no extra premium, flexible monthly plans with no annual lump-sum, and cover for full-time, contract, gig and freelance staff — from a team of two.
Why a growing business needs a different kind of cover
A small, fast-moving team has constraints a large enterprise does not — thin admin, a lumpy cash cycle and a workforce that is rarely all on permanent payroll. Onsurity is designed around exactly those constraints.
No annual lump-sum
Traditional group policies demand a full year of premium upfront. Onsurity runs on a monthly subscription, so a 12-person team never has to find a year of cover in one cheque — and you can cancel anytime.
No dedicated HR or benefits team
Most SMEs run people ops off a founder or a one-person HR desk. The TeamSure dashboard turns onboarding, offboarding, endorsements and claims into a few clicks — no broker email chains.
A workforce that is not all full-time
Growing businesses run on a mix of full-time staff, contractors, gig workers and freelancers. Onsurity can cover all of them under one membership, not just permanent payroll.
Headcount that changes every month
Hiring in a sprint, or trimming after one? Add or remove members mid-cycle and only pay for who is actually on the team that month, instead of truing-up at annual renewal.
The recommended stack for an SME
Four parts that work as one membership — insurance to cover the worst day, wellness for every other day, and the tooling to run it without a benefits team.
Group Health Insurance
Cashless hospitalisation at 10,000+ network hospitals, with day-1 cover options and no medical check-up to get started. Sum insured and family cover shaped to your budget.
Wellness + OPD
Teleconsultations, doctor OPD, discounted medicines and lab tests, mental-wellness support and health check-ups — included in the membership, not sold as a costly rider.
Good Doctors concierge
A team of real doctors guides employees through pre-authorisation, hospitalisation and discharge, so a claim never becomes the HR desk’s problem to chase.
TeamSure dashboard
One admin view for members, endorsements, billing and claim status. Add a joiner, remove a leaver, download an invoice — without a single broker call.
Enterprise-grade cover, sized for a team of three.
No annual lump-sum, no benefits department, no broker chains — just healthcare your whole team can use, run from one self-serve dashboard.
Onsurity vs a traditional broker-led group policy
A fair, side-by-side look at how the Onsurity membership model differs from a conventional annual group policy for a small team. Positioning reflects publicly known norms; your own policy terms always govern.
| What matters to an SME | Onsurity | Traditional group policy |
|---|---|---|
| Payment model | Yes Monthly subscription, cancel anytime | No Annual premium, paid upfront |
| Admin | Yes Self-serve TeamSure dashboard | Partial Email or calls to a broker/TPA |
| Wellness & OPD | Yes Bundled at no extra premium | Partial Usually a paid add-on, if offered |
| Mid-cycle changes | Yes Add / remove members any month | Partial Endorsement cycles, often batched |
| Non-payroll roles | Yes Contract, gig & freelance covered | Partial Typically full-time employees only |
A month of admin, without the admin
Here is what running employee healthcare on Onsurity actually looks like for a lean people team across a single month.
A new hire joins on the 3rd
Add them from the dashboard; their digital health card and policy details are live in the Onsurity app the same day.
A contractor rolls off
Remove the member in a click. Billing adjusts for the next cycle — no leftover premium on someone who has left.
An employee is hospitalised
The Good Doctors concierge takes the call and runs the cashless approval, so your one-person HR desk is not on the phone with a TPA.
Month-end billing lands
One consolidated invoice for exactly who was covered, downloadable from the dashboard for your finance file.
A worked example: a 15-person startup
A 15-person startup has 11 full-time employees and 4 contractors. Rather than commit a full year of premium in one payment, the team runs cover as a monthly subscription and adds the contractors to the same membership as the full-time staff.
Lives covered
Upfront annual lump-sum
Wellness & OPD add-on cost
When two more people join in month three, they are added from the dashboard and billing scales for the next cycle — no re-quote, no mid-year endorsement scramble. Illustrative structure only; final cover, sum insured and pricing depend on the plan you choose.
Why growing teams choose Onsurity
Onsurity works with thousands of Indian businesses and its plans are built SME-first, not scaled down from an enterprise policy. Three things consistently make the difference.
SME & startup-native
Onsurity was built for teams as small as a handful of people — not enterprise policies retrofitted for a growing business.
Covers every kind of worker
Full-time, part-time, contract, gig and freelance staff can sit under one membership, matching how modern teams are actually staffed.
Wellness people use
Teleconsults, OPD, medicine and lab discounts and mental-health support are in the membership, so the benefit gets used month to month — not just at hospitalisation.
Understand the fundamentals
New to group cover? Start with the group health insurance overview, then read up on the terms that shape a plan: sum insured, co-payment, waiting period and network hospitals.
Wondering how OPD and wellness fit in? See how cashless claims work and why pre-existing conditions matter when you pick a plan for your team.
Frequently asked questions
Onsurity offers healthcare memberships to businesses with as few as 2 employees, founders included. That is well below the 20-member floor many traditional insurers apply, which is why it fits startups and small teams that larger group policies usually turn away.
No. Onsurity runs on a monthly subscription rather than an annual lump-sum, so a small business can protect its team without a large one-time outlay, and can cancel anytime. This is one of the biggest differences from a conventional broker-led annual group policy.
Yes. Depending on the plan, full-time, part-time, contract, gig and freelance workers can all be covered under a single Onsurity membership — useful for growing businesses whose teams are rarely all on permanent payroll.
No. Wellness benefits — teleconsultations, OPD, discounted medicines and lab tests, mental-wellness support and health check-ups — are bundled into the membership at no extra premium, rather than sold as a separate paid rider.
Most day-to-day tasks are self-serve on the TeamSure dashboard: onboarding a joiner, removing a leaver, adding a dependent, checking claim status and downloading invoices. The Good Doctors concierge handles the claims journey, so a lean HR desk is not stuck chasing a TPA.
Ready to cover your team?
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