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Free tool · Group health benchmarking
This free scorecard benchmarks your company’s current group health policy against what strong SME plans typically offer. Answer six quick questions — sum insured, room rent, co-pay, waiting period, maternity and wellness — and see an indicative score out of 100, your band, and the top three gaps worth fixing.
Your indicative score
Answered 0 of 6. Complete all six questions to see your band and top gaps to fix.
The scorecard compares your six answers against the shape of a well-structured SME group plan — not against any single insurer’s product. Each answer earns points toward 100. Sum insured carries the most weight (25 points) because it caps every claim; a capped room rent, co-pay and long waiting periods all lose points, while maternity and bundled wellness/OPD each add a fixed share.
The bands — Excellent (80+), Good (60–79) and Needs work (below 60) — reflect how closely a plan tracks those benchmarks. The “top gaps” list simply ranks your weakest answers by how many points they gave up, so the biggest, most fixable shortfalls surface first.
Most of the gaps this tool surfaces come from plans built to hit an annual premium rather than to protect a team. Onsurity structures group health insurance the other way round.
A transparent per-employee-per-month figure — typically a few hundred rupees a head — instead of a large annual lump-sum premium.
Doctor consults, pharmacy, diagnostics and health checks come with the plan, so cover reaches everyday care, not just hospitalisation.
The insurer settles its share directly with the hospital, so employees avoid large upfront outlays and reimbursement waits.
Joiners and leavers are updated through the month — no waiting for an annual renewal to keep cover accurate.
The score is an indicative benchmark of a policy’s structure — not a quote, an offer, or financial advice. It does not price your plan, and it cannot account for every clause, sub-limit or exclusion in your policy wording. Actual cover and premium depend on your headcount, age mix, location, claims history and the insurer’s terms. Use it to spot gaps worth discussing, then confirm the details against your policy schedule and an exact quote.
Each of the six answers earns points against a benchmark of what strong SME group health plans typically offer. Sum insured carries the most weight (25 of 100) because it caps everything else; room rent, co-pay, waiting period, maternity and wellness split the rest. The points sum to a score out of 100 and a band.
We band the result as Excellent (80 and above), Good (60–79) or Needs work (below 60). A high score means your plan lines up with what well-structured SME policies offer; a lower score simply flags where the biggest, most fixable gaps are — it is not a pass or fail.
No. This is an indicative benchmarking tool, not a quote, offer or financial advice. It scores the structure of a plan, not its premium. Actual pricing depends on your headcount, age mix, location and claims history. For real numbers, request an exact quote.
Those questions score zero and will usually surface as top gaps — which is the point. If you are unsure about sum insured, room rent or co-pay, ask your broker or insurer for the current policy schedule. Knowing these terms before an employee is in hospital is half the value of a group plan.
Get an exact group health quote built around your headcount and budget — with the sum insured, room rent and wellness benefits your scorecard flagged.
Get an exact quote