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support@securenow.inIndicative Pricing
Group Health Insurance Premium - What to Expect by Company Size
Premiums vary by insurer, city, employee age profile, and add-ons. The ranges below are indicative for a standard Rs. 3 lakh sum insured GMC plan without add-ons.
| Company Size | Annual Premium Range | Per Employee / Year | Notes |
|---|---|---|---|
| 7–20 employees | Rs. 45,000 – Rs. 1.2 lakh | Rs. 4,500 – Rs. 7,500 | Minimum group; limited insurer options |
| 20–50 employees | Rs. 1.2 lakh – Rs. 3 lakh | Rs. 3,800 – Rs. 6,500 | Broader insurer choice; add-ons viable |
| 50–200 employees | Rs. 3 lakh – Rs. 12 lakh | Rs. 3,200 – Rs. 5,500 | Custom underwriting; PPN savings apply |
| 200+ employees | Actuarial pricing | Negotiated per group profile | Loss ratio-based; renewal tied to claims |
Important: Premiums in Mumbai and Delhi NCR are 15–25% higher than in Tier-2 cities due to hospital cost differences. Adding maternity cover or OPD typically increases premium by 15–30%.
Frequently Asked Questions About Getting a Quote
How quickly will I receive a group health insurance quote?+
SecureNow delivers quotes from multiple insurers within 24 hours of form submission. For larger groups (50+ employees) requiring custom underwriting, expect 48–72 hours. Our advisors will call you within 2 business hours to confirm your requirements and clarify any plan-specific details.
What information do I need to get an accurate quote?+
For an indicative quote: company name, city, number of employees, and average employee age range. For an accurate quote: employee census (names, ages, gender, dependent details), desired sum insured, any specific add-ons required (maternity, OPD, dental), and preferred insurer if any. The more detail you provide, the more accurate the premium comparison.
Can I get quotes from multiple insurers at once?+
Yes. SecureNow compares plans from 30+ insurers simultaneously and presents a side-by-side comparison. You receive options across multiple insurers with consistent coverage terms so you can compare on premium, network, claim settlement ratio, and operational quality - not just on price.
Is there a minimum number of employees required to get a group health insurance quote?+
Most insurers require a minimum of 7 employees. Some insurers - including Digit Insurance and Care Health - accept groups as small as 2–5 members for micro and small businesses. SecureNow will identify which insurers are available for your group size and present the best options.
What happens after I submit the quote request?+
After submission: (1) Our team calls within 2 business hours to confirm requirements; (2) We prepare a multi-insurer comparison within 24 hours; (3) A dedicated advisor presents the options and explains key differences; (4) You select the preferred plan; (5) We issue the policy and send e-health cards to all employees within 7 working days of premium receipt.