Employee Health Insurance companies

Top 15 Employee Health Insurance Companies in India 2023

Employee Health Insurance is the agreement between a health insurance companies and the policyholder (employee). Under this agreement, the Group insurance company covers the employee’s medical expenses through reimbursement or cashless treatments. It acts as a risk management tool by providing financial aid during health-related crises. The premium is regularly deducted from the employee’s salary, and the benefits are availed during medical emergencies.


It covers pre/post-hospitalization charges, pharmacy, beds, consultation fees, regular check-ups, anesthesia, dialysis, oxygen charges, etc. As per the Prepaid Health Care Act 1974, it is mandatory for all employers to provide health insurance to full-time employees via a health maintenance organization or indemnity-based plan.


Employee Health Insurance Companies find it easy to attract and retain skilled employees. Moreover, they earn tax advantages. The healthcare insurance plans ensure employees’ overall wellness, making them 100% dedicated to their work.


According to the source, in employee engagement activities like corporate health insurance plans, 90% of employees prefer working with a company where their overall well-being needs are met. Various top-notch companies like Godigit, Starhealth, Acko, etc., have exceptional medical care plans to lower the burden of uncertain medical expenses on their employees.


List of best 15 Employee Health Insurance Companies


1. Acko


The Acko Employee Health Insurance company provides many benefits. Some of these benefits are coverage of Pre and post-hospitalization expenses, free pick-up and drop ambulance services, in-patient care expenses, regular medical check-ups, domiciliary treatment expenses, coverage of daycare treatment like cataract surgery, chemotherapy, etc.


The company allows you to renew your mediclaim policy through online document submission. Moreover, it has Corona Kavach Policy and Covid-19 health insurance, with the primary purpose of protecting your family and yourself from the increasing covid-19 medical costs. It covers up to Rs. 50,000 to Rs. 5 lakhs medical costs for people between the age of 18 years to 65 years.


Website Link: https://www.acko.com/

Founder: Varun Dua

Founding Year: 2016

Product: Vehicle/Motor insurance, Health insurance, Arogya sanjeevani policy, and Group health insurance.

Address: Unit No. 301, 3rd Floor, E-wing, Lotus Corporate Park Off Western Express Highway, Goregaon, Mumbai.

Employee Health Insurance - care-insurance

2. Care Insurance


One of the well-known health insurance companies provides 20% savings on Health Insurance premiums. Out of which 10% discount is meant for a 3-year policy tenure & remaining 10% discount is to insure 4, 5 or 6 members belonging to the same family under the same policy through an individual sum insured basis.


The health insurance company allows you to get a quote and calculate the premium online through their calculator. The benefits of availing the Care health insurance are COVID-19 coverage, 19000 plus cashless healthcare providers, 95.2% claim settlement ratio, section 80D tax benefits, and trustworthiness as it has already settled 30 lakhs plus claims.


Website Link:  https://www.careinsurance.com/

Founder: Anuj Gulati

Founding Year: 2012

Product: Car insurance, Health insurance, Heart insurance, Critical illness insurance, Health insurance with covid-19, Cancer mediclaim, Care senior

Arogya sanjeevani policy.

Address: Vipul Tech Square Tower C, 3rd Floor, Golf Course Rd, Sector 43, Gurugram, Haryana

3. Getvital


The IRDA Registered health insurance company, Getvital, is 100% secure and genuine, providing comprehensive health care plans. It offers personalized health membership if you subscribe monthly. The subscription is highly affordable and starts from INR 45/- monthly. They cover health insurance plans for SMEs, startups, individuals, and families.


Getvital’s programs are smartly designed to help you in times of illness and during good health. Employees can also avail themselves of personalized plans based on their health condition, lifestyle, and medical history. Additional detailed features include regular health check-ups, zero-cost doctor consultations, pharmacy discounts & wellness programs.


Website Link: https://getvital.in/

Founder: Rahul Kumar, Jayan Matthews

Founding Year: 2019

Product: Annual health checkups, Online fitness classes, Mental wellbeing, Dental cover, Nutrition program, Unlimited doctor consults, 

Address: 562 A, M G Road, Chatri Wala Kuan, Lado Sarai, New Delhi.

Employee Health Insurance companies - godigit

4. Godigit


A highly reputed health insurance company, GoDigit has covered 26,000+ corporations with 45 Lakhs lives insured. The Group health insurance company covers the insurance plan for a group working for the same company. Its outstanding features include No age-based copayment, a Simple online process, 2X sum Insured, 10500+ network hospitals, etc.


With its IRDA-launched Aarogya Sanjeevani Policy, Godigit provides the sum insured premium between INR 3 lakhs to INR 2 crore starting from INR 640 every month, exclusive of taxes. It covers the ICU services, pre, and post-hospitalization costs, hospital room rent, and the latest treatments. You can choose the super top-up health insurance if you have fully used your maximum claim amount for a specific year. The plan starts from 1 lakhs to 10 lakhs.


Website Link: https://www.godigit.com/

Founder: Kamesh Goyal

Founding Year: 2016

Product: Fire insurance, Building insurance, Bus insurance, Individual health insurance, Family health insurance, Corona kavach policy, Third party car insurance, Zero depreciation car insurance, Add on cover in bike insurance.

Address: 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, 560095.

5. HealthySure


Healthy Sure provides your employees with the best-in-class coverage, digitized policy, and health & wellness services. Administration of employee benefits is simple through their seamless member management dashboard, insurance claim tracker, and personal relationship manager. It’s best known among its customers for providing 360° insurance coverage through a detailed healthcare program.


The insurance firm has varied features like Critical Illness Cover, Group Health Insurance, Corporate Mental health Wellness programs, Gym Memberships, Doctor Teleconsultations, Health Check-ups, etc. The motive behind establishing this firm is to make healthcare plans affordable for startups, SMEs, and enterprises in India.


Website Link: https://healthysure.in/

Founder: Anuj parekh, Sanil bansutkar

Founding Year: 2021

Product: Group health insurance, healthcare, wellness, and employee benefits

Address: Pramukh Plaza, B-702, opp. P&G Office, near WEH Metro Station, Andheri East, Mumbai, Maharashtra 

6. InsuranceDekho


InsuranceDekho is a famous employee health insurance company with a wide range of fan following. Their tagline is “Bharosa kar ke Dekho.” The company has served over INR 20,000 plus claims, 45 lakhs plus happy customers, and is rated 4.4 on the google website. The insurance company also allowed homes based personalized insurance consultation. The employees get huge benefits from InsuranceDekho.


They provide hassle-free, paperless 5-minute issuance and a dedicated support team. Some of its health insurance services are Corona Kavach Policy, Corona Rakshak Policy, Aarogya Sanjeevani Policy, Mahatma Jyotiba Phule Jan Aarogya Yojana, Central Government Health Scheme, Family insurance, with one crore health cover. Kotak, Liberty, Digit, SBI, National, and Reliance are some of its insurance partners.


Website Link: https://www.insurancedekho.com/

Founder: Ankit Agrawal

Founding Year: 2016

Product: Health insurance, bike insurance, car insurance, life insurance, term insurance, pet insurance, travel insurance, investments.

Address:  Plot no. 301, Phase II, Udyog Vihar, Sector 20, Gurugram, Haryana 122016

7. Liberty Insurance


Employee Benefits Insurance provided by Liberty General Insurance covers you and your employees. It has two comprehensive plans, i.e., Employee Insurance Plans and Employees Compensation Policies. It has varied features such as 15 day free look period for requesting policy cancellation, loyalty perk benefits, and renewal benefits. Their range of health insurance services comprises Liberty Health connect policies with four schemes, Health Connect Supra, Individual Personal Accident, Janata Personal Accident Insurance Policy, and Secure Health Connect.


Liberty health insurance is specifically designed to safeguard your employee from work-related injuries and workplace death through its comprehensive employee insurance plans. Employees can avail the Liberty General health Insurance to avoid additional employee insurance expenses like medical and cost, ambulance transportation costs, etc., after paying extra premiums.


One can specify the premium amount through the nature of work, type of employee, and sum insured. The health damages that occurred due to self-harming activities, drugs or liquor consumption, war, terrorism, etc., aren’t covered under the policy.


Website Link:  https://www.libertyinsurance.in/

Founder:  Roopam Asthana

Founding Year: 2012

Product: Car insurance, health insurance, two wheeler insurance, commercial insurance, claim assistance, irctc tejas claim

Address: 10th Floor, Tower A, Peninsula Business Park, Ganapatrao Kadam Marg, Lower Parel, Mumbai, Maharashtra

Employee Health Insurance companies - loop health

8. Loop Health


Loop health is a prominent health insurance company offering best-in-class benefits. Significant benefits provided by the company are 24/7 consultation with doctors, free wellness sessions, instant help for mild to critical situations, covid care, maternity coverage, unlimited virtual consultations with top-notch expert doctors, and hassle-free locating of nearby cashless hospitals.


The health benefits offered by Loop health start from INR 499/-. Employees can easily top up their family health insurance plans. The Loop health insurance company has a network of 300+ HR teams and 130K+ Happy customers, which is justified by a 4.8/5 app rating.


Website Link:  https://www.loophealth.com/

Founder: Mayank Kale

Founding Year: 2018

Address: 2nd Floor, Vikram Nandadeep Patrakar Nagar Road, off, Senapati Bapat Rd, Pune, Maharashtra.

9. ManipalCigna Health Insurance


With their famous tagline, “Expert ki suno, Sahi chuno,” they are focussed on providing the proper health insurance guidance. Get a 3% Standing Instruction Discount, a 6.5% to 10% long-term discount, and a 20% family discount with a ManipalCigna Health Insurance company.


The company doesn’t have any limit on choosing single AC rooms, suites, etc. All your nonmedical expenses are covered in their package with up to 100% claims.


An active plan structure has been designed for patients suffering from dyslipidemia, asthma, obesity, hypertension, and diabetes. One can help with the complete restoration of the sum insured for relevant and other illnesses.


The pro-health prime plan is labeled as “HealthCare insurance, and not just health insurance.” It covers several features that are beyond the capacity of a standard hospitalization plan.


Website Link: https://www.manipalcigna.com/

Founder: Prasun Sikdar

Founding Year: 2014

Product: Lifetime health, pro-health insurance, arogya sanjeevani policy, pro-health select, lifetime protection, global health group protection.

Address:  401/402, Raheja Titanium, Western Express Highway, Goregaon

10. Onsurity


Onsurity is the only health tech company that provides a monthly extensive healthcare facility to MSME’s, SME’s, and growing startup businesses. They have a prime motive: to provide reasonably priced healthcare insurance to everyone, from small to prominent business people and entrepreneurs. Their mission is to provide the best health insurance to everyone and fulfill all their needs.


Website Link: https://onsurity.com/

Founder: Kulin Shah

Founding Year: 2020

Product: Good health insurance, doctor consultancy, fitness tracking, discounted health checkups, discounted medicines

Address: No: 78/9, Onsurity Technologies, WeWork Vaishnavi, Bengaluru, Karnataka 560103

11. Pazcare


Pazcar is a well-known company providing comprehensive health insurance for your employees. Employees get insurance benefits with curated mental health support for employees. Employee mental well-being is crucial for an organization, personalized fitness plans, regular health check-ups, wellness experiences, virtual doctor consultations, and dental advice.


The products offered by Pazcare are Group health insurance, Group personal accident insurance, Group term life insurance, Keyman insurance, Covid insurance, and health & wellness programs. One of the services provided by the company group is personal accident insurance, where a 100% sum is assured during permanent disability cover, death, and subsidized children’s education.


 Website Link:  https://www.pazcare.com/

Founder: Sanchit Malik

Founding Year: 2020

Product: Group health insurance, group personal health insurance, group term life insurance, keyman insurance, covid insurance, health & wellness.

Address: APR enclave, L – 379, 5th main Rd, sector 6, HSR layout, bengaluru, karnataka.

12. Plumhq


The winner of the NASSCOM Emerge 50 award, Plumhq provides the best-in-class corporate insurance services. The health insurance company has covered more than 300k lives so far. More than 2000 companies are associated with it, including OYO, Meesho, Tinder, Swiggy, etc.


It protects your team beyond health by providing aid through group personal accident insurance, group health insurance, and group term life insurance. Moreover, you can super top up your plan by INR 20 lakhs, which starts at just INR 529 every year.


 Website Link: https://www.plumhq.com/

Founder: Abhishek Poddar

Founding Year: 2019

Product: Group health insurance, personal accident insurance, group term life insurance.

Address: 10th Floor, Summit B Whitefield Main Road Brigade Metropolis, Mahadevapura, Bengaluru.

13. Royal Sundaram


Royal Sundaram offers family, individual, and corporate healthcare plans. The 7000-plus hospital network, 81.5% paid claims, affordable premiums, and 2.8 crores+ customers make Royal Sundaram entirely trustworthy to approach. Some benefits of the Royal Sundaram employee health insurance company are cashless hospitalization, lifestyle diseases covered, income tax benefits, comprehensive medical inflation plans, savings protection, etc.


Its Lifeline Supreme Health Insurance Plan has detailed health coverage up to INR 1 Crore with add-on benefits. The Elite Health Insurance Plan has a range of up to INR 1.5 Crore with additional advantages. The things excluded from their health insurance plans are pre-existing diseases, Circumcision, last 30 days of sickness, self-harm, STDs, etc.


Website Link:  https://www.royalsundaram.in/

Chairman: Viji Kumar

Founding Year: 2001

Product: Vehical / motor insurance, health insurance, travel insurance, home insurance, personal accident insurance, commercial vehicle insurance, and business insurance.

Address:  Vishranti Melaram Towers, No.2/319, Vishranthi, Rajiv Gandhi Salai, Karapakkam, Chennai

Employee Health Insurance - Starhealth

14. Starhealth


Star health is one of the most trusted health insurance companies. It covers plans for yourself, your families, corporates, and senior citizens. The employee health insurance company can help you with renewals, claims, auto-debit, portability, E-policy, and locating nearby network hospitals. What makes Starhealth the best choice among employees is its varied capabilities and achievements.


It includes hassle-free in-house claims settlement, 5.5 lakhs agents in a mission to make India healthy, 16.9 Cr lives covered to date, 13,000+ network hospitals for cashless treatments, 75 lakhs plus claims settled, INR 30,385 Cr claim amount paid, 89.9% cashless claims settled in 2 hours. The insurance firm has won the Health Insurance Provider of the year award, The Best of Bharat Awards 2022, Best BFSI Brands 2019, etc.


Website Link:  https://www.starhealth.in/

Chairman: Venkatasamy Jagannathan

Founding Year: 2006

Product: Health insurance for family and self, health insurance for corporate, accident care, saral suraksha bima, travel insurance, overseas travel insurance, group mediclaim, group travel insurance, group accident insurance.

Address:  No 1, New Tank Street, Valluvar Kottam High Road, Chennai

Employee Health Insurance - Turtlemint

15. Turtlemint


The Turtlemint employee’s health insurance company is determined to protect you from the increasing health costs of medical formalities, including covid-19. The tagline of Turtlemint is “Be active with the right insurance.” There are various reasons to choose Turtlemint as your employee health insurance provider.


Active Claim Support, leading insurers, and top-notch recommendations are some of them. In addition, the Turtlemint app allows you to manage all the policies on one platform through their application.


Website Link:  https://www.turtlemint.com/

Founder: Dhirendra Mahyavanshi

Founding Year: 2015

Product: Vehicle insurance, health insurance, life insurance

Address: Office 303, Cosmos Mary Park, 116/B, Comrade Rajaram Vishnu Rawool Marg, Thane West, Thane.


With multiple Employee Health Insurance Companies opening, employees are getting competitive services. After evaluating the terms and conditions, employees choose the best insurance company.


Such corporate health insurance plans have the best medical insurance covers that benefit employees and employers. With the added advantages of regular check-ups, pharmacy, lab tests, latest technological equipment, employees feel satisfied and an essential part of the company. Moreover, it helps them retain for years to come as most of the group health insurance companies also cover their family members.

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