Employee Benefits Management

Your HR team has better things to do than chase insurance paperwork.

RiskPe manages employee benefits insurance for HR teams across India. Group health, endorsements, employee queries, and claims, run by a team that is not paid more when your premium goes up.

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No premium based commission
Dedicated HR helpdesk
Claims handled end to end

What HR teams are actually dealing with

Managing group health insurance is rarely anyone's full time job, yet it consumes real time and creates real risk when handled without dedicated expertise.

  • Endorsements for new joiners and exits pile up, with employees uncovered during the gap
  • Employees reach out to HR directly with claim issues that HR has no insurance training to resolve
  • Renewal negotiations happen once a year with limited leverage or market knowledge
  • Cashless claim rejections at hospitals become an HR fire to put out, not a structured process
  • No one in the company is actually tracking whether the current premium reflects fair market terms

What we take off your plate

Endorsement Management
Additions, deletions, and changes processed promptly, so coverage gaps for new joiners or exits do not happen.
Employee Query Handling
A dedicated point of contact for employees, so HR is not the first line of insurance support.
Claims Tracking and Escalation
We track claims to resolution and escalate stuck cashless approvals directly with the TPA and hospital.
Renewal Negotiation
We bring market knowledge and insurer relationships to negotiate renewal terms, not just accept the first quote.
New Joiner Onboarding
Insurance briefing and enrollment built into your onboarding process, handled by us.
Monthly Reporting
Clear MIS reports on claims, utilization, and policy status, so HR always has visibility without chasing it.

Why this often costs you less, not more

Most corporate insurance brokers earn a commission as a percentage of your premium. That means the broker earns more when your premium is higher, a structural incentive that does not naturally push toward aggressive negotiation on your behalf.

RiskPe charges a flat advisory fee instead. We have no incentive tied to your premium size, only to getting your HR team the best actual terms. Over a multi year relationship, this incentive difference alone can outweigh the advisory fee many times over.

Built for growing teams

Startups Scaling Headcount
Adding employees quickly and need endorsements processed without delay or manual back and forth.
Mid Sized Companies
Already have group health in place but no dedicated person managing it, leaving gaps in service.
HR Leaders Tired of Firefighting
Want insurance to be a managed function, not a recurring source of employee complaints.

Common questions about employee benefits management

How quickly are endorsements processed?
We process additions and deletions promptly once we receive employee details, minimizing the gap in coverage for new joiners or exits.
Do you only work with large companies?
No, our employee benefits management plans start from small teams of around 50 employees and scale up from there.
Will this replace our existing insurer relationship?
No, we work alongside your existing insurer relationship or help establish a new one, managing the operational and negotiation side on your behalf.
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