Group Insurance
Employee benefit programmes that attract talent, retain teams, and protect families — designed for your headcount, sector, and budget.
The benefits programme that quietly defines workplace culture.
Agood group insurance programme is invisible to employees when nothing goes wrong, and indispensable when something does. A new hire reads the policy summary once. A bereaved family or a hospitalised colleague experiences the policy at the moment it matters most.
For employers, group insurance does three things at once: protects employees, signals that the company cares, and frequently provides a tax-efficient way to compensate teams beyond direct salary.
We design and place these programmes for SMEs, family businesses, professional services firms, and corporates across India. The cost is in our advice — never to you.
Five products that make up a complete corporate package.
Most companies start with group health (GMC) and add others as the team grows. The right bundle depends on headcount, employee demographics, and benefit philosophy.
Group Mediclaim (GMC) — Cashless hospitalisation for employees, spouses, children — often parents too.
Group Term Life (GTL) — Life cover 2–5× annual CTC. Low cost, high impact.
Group Personal Accident (GPA) — 24×7 worldwide accidental death and disability cover.
Group Gratuity — Funded gratuity solution meeting your statutory liability through an LIC-managed fund.
Workmen’s Compensation — Statutory cover for injury/death in the course of employment.
The cheapest premium is the wrong optimisation. Claims experience and service responsiveness matter far more.— Nikhil Dedhia, COO
SMEs to mid-caps — the segment most underserved.
Large corporates have dedicated benefits brokers. The smallest businesses often skip group insurance altogether. The segment in between — typically 10 to 500 employees — is where we focus, where we add the most value, and where most of our corporate clients sit.
SMEs and family businesses (10+ employees)
Professional services firms — law, accounting, consulting
Manufacturing and trading companies
Tech startups scaling beyond 25 employees
Family offices managing household and personal staff
Reviewing your corporate insurance for the year?
We'll quote across 4–6 insurers and recommend based on your team's actual claim profile.
How we work with HR and finance teams.
Group insurance is a year-round engagement, not a one-time placement. The annual renewal is the visible moment; the daily HR queries are where the relationship is actually built.
Discovery
Team size, demographics, current cover, benefit philosophy, budget constraints.
RFP & quotes
Detailed quotes from 4–6 insurers with feature comparison. We negotiate.
Onboarding
Employee enrolment, ID cards, induction sessions. We attend if helpful.
Ongoing support
Mid-year additions, claim assistance, queries, MIS reports, renewal prep.
No advisory fee — and identical premiums.
Our compensation comes from standard brokerage paid by the insurer. The premium you pay is identical whether you place the policy through us or directly with the insurer. The difference is in the advice, the negotiation, the claims support, and the year-round HR helpdesk — all included.
Many of our corporate clients have been with us for 15+ years. The relationship is structured to make changing brokers easy if we ever fail to deliver — that confidence is part of why they stay.
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
