Employee Benefit Insurance
Health and protection cover that takes care of your whole team.
Group health insurance, group personal accident, and group term life cover, structured around your team size, industry, and budget. RiskPe helps you choose and set up the right employee benefit insurance from the start.
Get a Group Insurance QuoteGroup mediclaim
Personal accident cover
Term life for employees
Three layers of protection for your team
Group Mediclaim
Hospitalization cover for employees and often their dependents, including pre and post hospitalization expenses.
Group Personal Accident
Cover for accidental death, permanent disability, or temporary disability arising from an accident.
Group Term Life
Life cover for employees during their employment, providing financial protection to their nominated family members.
What actually matters in a group policy
Sum Insured per Employee
The right cover level depends on your team's city, age profile, and the hospitals they are likely to use.
Maternity and Dependent Cover
Whether spouses, children, and parents are covered, and under what maternity terms, varies significantly by policy.
Pre Existing Disease Cover
Group policies often waive waiting periods for pre existing conditions, a meaningful advantage over individual policies.
Network Hospital Coverage
The cashless hospital network available to your employees directly affects how smooth a claim experience will be.
Claim Turnaround Time
How quickly cashless approvals and reimbursements are processed matters as much as the cover itself.
Top Up and Voluntary Options
Whether employees can opt into additional cover for themselves or family members at their own cost.
Built for teams of every size
Startups and Small Teams
Setting up employee benefits for the first time and want a policy that fits a growing, often younger team.
Established Companies
Reviewing an existing group policy to check if coverage and cost still make sense as the team has grown.
Companies with Diverse Roles
Need group personal accident or term life cover for field staff, factory workers, or other higher risk roles.
Common questions about group insurance
Is group health insurance mandatory for companies in India?
It is not legally mandatory for most companies, though it has become a standard expectation for attracting and retaining talent, and is required under certain state specific labor regulations in some cases.
Can employees add their family members to a group policy?
Often yes, depending on how the policy is structured. Many companies allow employees to add spouses, children, and sometimes parents, either company funded or at the employee's own cost.
What happens to group cover when an employee leaves?
Group cover typically ends when employment ends, unless a portability or continuation option has been arranged. We help structure these transitions where needed.
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