Protect Your Team. Strengthen Your Business.
Group health and life cover for your entire workforce at group rates.
Group health, life, and accident insurance at rates no individual can access. A single policy covers your entire workforce — and it's a fully deductible business expense.
Employee Benefits
No medical underwriting
Tax deductible for employer
IRDAI Registered
Employee Benefits
10+
Min Group
100%
Premium Tax
Day 1
Coverage Active
30+
Insurer Partners
10+
Min Group Size
100%
Premium Tax Deductible
Day 1
Coverage Active
30+
Insurer Partners
Complete Employee Protection Suite
Group Health Insurance
Hospitalisation cover for all employees under a single policy. Lower premiums than individual plans, no medical tests for base cover.
Group Term Life
Life cover for all employees — typically 3–5× annual CTC. Activates on death from any cause. No medical examination required.
Group Personal Accident
Covers death, permanent disability, and temporary disability from accidents. Essential for field staff, logistics, and manufacturing teams.
No Medical Underwriting
The group underwriting model means no individual health declarations for standard cover. All employees are covered from day one.
Customisable Benefits
Set different cover slabs by grade — senior staff get higher cover. Add spouse, children, or parents as dependants. Fully configurable.
Easy HR Management
Single renewal date, centralised endorsements, digital employee cards, and dedicated claims support. Minimal HR overhead.
From 10 Employees to 10,000
SMEs (10–250 Employees)
Group rates make quality insurance affordable. Attract and retain talent with benefits that compete with larger companies.
Large Corporates
Manage complex benefit structures across departments, locations, and grades with a single coordinated policy.
Associations & Societies
Professional associations, RWAs, and trade bodies can offer group cover to members — even without an employer-employee relationship.
From Census to Cover in 5 Days
Employee Census
Share a simple list: employee names, ages, designations, and desired cover amounts. We handle the rest.
Insurer RFQ
We send your census to 8–10 leading group insurers and collect competitive quotes within 48 hours.
Benefit Design
We present options and help you design the benefit structure — what the company pays vs employee contribution.
Ongoing HR Support
We manage additions, deletions, renewals, and claims — so your HR team focuses on people, not paperwork.
Group Insurance — Common Questions
What businesses ask before setting up employee benefits.
Most insurers require a minimum of 7–10 active employees for group health insurance. For group term life, the minimum is typically 10 members. Associations, societies, and clubs may qualify with as few as 50 members. We identify the right insurer for your group size and structure.
Yes. Most group health plans allow adding dependants — spouse, up to 2 children, and in some plans, parents — as add-ons at an incremental premium. You can choose whether the company pays for dependant cover or the employee pays for it via salary deduction. We help structure the benefit in a way that balances cost and employee satisfaction.
Coverage typically ceases on the date of resignation/termination. However, most insurers offer a portability option — the departing employee can convert their group health cover to an individual policy without re-underwriting or waiting periods, within 30–60 days. We brief HR teams on this process to handle it smoothly during offboarding.
Yes. Premiums paid by the employer for group health and life insurance are fully deductible as a business expense under the Income Tax Act. This makes group insurance a tax-efficient way to provide employee benefits — the company saves on tax while employees receive a valuable benefit.
Group policies renew annually. New employees can typically be added mid-year on their joining date, and the premium is calculated on a pro-rata basis for the remaining policy period. We manage mid-year endorsements with the insurer directly so HR doesn't have to track it independently.
Employee Benefits That Attract and Retain Talent
Group health, group life, and key-person insurance for businesses of all sizes. Competitive group rates, flexible plans, zero hassle for your HR team.
Insurance is a subject matter of solicitation. IRDAI Registered Insurance Advisor.