Frequently Asked Questions

Insurance companies team up with hospitals. If you visit one of these partnered hospitals for treatment, you won't need to pay the full amount upfront.

Instead, you'll only need to cover certain costs like co-pay, deductible, refundable deposit, any room charges beyond eligibility, and non-medical expenses. Also, the insurance company will handle the bill directly with the hospital.

To avail of this cashless treatment, you need to inform your insurance company that you'll be getting admitted to one of their network hospitals. Additionally, you'll need to provide your policy details at the hospital.

Remember, though, that insurance companies sometimes change their list of network hospitals. So, if you're planning a treatment, it's always a good idea to check with your insurer for an updated list and the hospital you are planning to get admitted to whether they are in network with the insurer. 

A copay is when the policyholder needs to pay a certain percentage of the total claim amount. The insurance company will cover the remaining portion.

Daycare treatment refers to any medical treatment where you stay in the hospital for less than 24 hours. Even though these treatments don't require long hospital stays due to technological advancement, they can still be quite expensive and have a significant financial impact.

A deductible is the amount of money you need to pay for your healthcare expenses before your health insurance kicks in.

If your insurance policy includes a deductible clause, it means you have to cover a certain amount of your medical bills before the insurance company starts paying.

For example, if your plan has a deductible of ₹20,000, you must pay for all your medical expenses until they reach ₹20,000. After that, your insurance company will start covering your bills.

It's important to note that the deductible is a one-time fee. So, if your first treatment costs ₹50,000, you pay ₹20,000, and your insurer pays ₹30,000. You won't have to pay any deductible for any future treatments in the same policy year.

However, if your first treatment costs ₹15,000, you need to pay the entire ₹15,000 for that treatment and ₹5,000 for your second treatment. After that, your insurer will take care of the payment.

To find out the “Deductible” applicable to your Onsurity membership, you can follow these steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document and search for the term "Deductible" in the PDF to find the deductible details.

Exclusions are specific treatments and conditions that are not included in your insurance policy's coverage. One common exclusion you may come across is for "pre-existing diseases."

An ICU limit is the maximum amount that your insurance company will cover for ICU expenses during hospitalization each day.

When you review your policy document, you'll come across a section called 'inclusions'. Inclusions refer to the treatments, illnesses, and healthcare services that your insurer will cover under the policy.

These are the medical expenses that will be paid for by the insurance company, regardless of the specific treatment or condition.

Some common inclusions in health insurance policies include hospital accommodation, ICU fees, prescription medicines, and medical treatments received during a hospital stay.

To make policies more comprehensive, insurance providers have also added coverage for AYUSH treatment (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), pre and post-hospitalization expenses, and other similar services to their list of inclusions, particularly for group health insurance.

To find out the Inclusions applicable to your Onsurity membership, you can follow these steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document and search for the term "Coverages" in the PDF.

A network provider is a healthcare professional, doctor, hospital, or institution that has an agreement with the insurance provider to offer medical services to policyholders.

When you choose to receive treatment from a network provider or at a cashless hospital, you can benefit from a cashless facility and a smoother claims process.

It's important to be aware that the list of network providers is subject to frequent changes as insurance companies continuously work on expanding their network.

Therefore, it is always recommended to request or check for an updated list before undergoing any treatment.

To find out the Network/Cashless Hospitals in your Onsurity membership, you can follow these steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: Tap on "Hospitalization Assistance", then select the "Check Box" and tap "Proceed".
Step 6: Tap on "View Hospitals".
Step 7: Use the Hospital Name, City, or Pin Code to search for the specific hospital.

A non-network provider refers to a doctor, healthcare provider, or hospital that does not have a partnership with your insurance company. In simpler terms, they are not directly connected to your insurance provider.

However, this does not mean that your insurance coverage will not apply to these providers. You will still receive coverage for the treatment you receive at a non-network provider or hospital.

The main difference is that you will need to pay the hospital upfront for the services you receive. Afterward, you need to collect all the necessary bills and payment receipts.

You can then submit these documents to your insurance company for reimbursement. The insurance company will review the bills and reimburse you for the amount you spent on the treatment.

PED, which stands for pre-existing diseases, refers to health conditions or illnesses that you have been diagnosed with before joining a particular health insurance plan. Common examples of PED include cancer, heart ailments, and diabetes.

In most insurance policies, there is a waiting period of 2-4 years before the coverage for treatments related to pre-existing diseases begins. This means that during the waiting period, the insurance company will not provide coverage for treatments specifically related to your pre-existing conditions.

After the waiting period is over, the insurance coverage will extend to include these conditions as well.

To find out the PED waiting period applicable to your Onsurity membership, you can follow these steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document and search for the term "Pre-Existing Diseases Waiting Period" in the PDF.

After being discharged from the hospital, there are many healthcare expenses that you need to handle. This includes follow-up visits, medical tests, and medications.

To provide more comprehensive coverage, insurance policies include post-hospitalization coverage. This coverage takes care of the expenses you incur for diagnostics and medications after you leave the hospital.

Since these expenses occur outside of the hospital, you will usually need to pay for them upfront and then seek reimbursement from your insurance company.

With Onsurity’s membership, post-hospitalization coverage applies for up to 60 days after your discharge, helping you manage your medical costs during this period. 

Before you are hospitalized, there are often significant expenses involved in diagnosing and determining the need for hospitalization.

A good insurance policy will cover these medical expenses incurred before you are admitted to the hospital.

Since these expenses occur before you enter the hospital, you will usually need to pay for them upfront and then seek reimbursement from your insurance company. This coverage is only applicable once you are officially admitted to the hospital.

With Onsurity's membership, the pre-hospitalization coverage extends for a period of 30 days. 

When you choose a room or an ICU in a hospital that exceeds the allowed limit specified in your insurance policy, a proportionate deduction is applied.

This means that not only will you have to pay the additional room charges, but also a proportionate amount of all other expenses.

For instance, if your insurance policy covers only 25% of the actual room charges you choose, the insurer will only pay 25% of the total bill, excluding the cost of medicines.

Let's say your bill amounts to ₹2,00,000. In this case, the insurer will only pay ₹50,000, and you will be responsible for paying the remaining ₹1,50,000, even if your policy coverage is more than ₹2,00,000.

In summary, choosing a room or ICU that exceeds the agreed-upon limit in your policy can result in a proportionate deduction, requiring you to bear a portion of the expenses incurred. 

The room rent limit is the maximum amount that your insurance company will cover for expenses related to a non-ICU room during hospitalization each day.

Usually, this limit is a percentage of your total coverage (typically 1-4%).  If the cost of your hospital room exceeds this limit, you will have to pay the extra amount.

Additionally, the insurance company will also reduce the coverage for other expenses, such as surgeon fees, consultations, diagnostics, and doctor visits, in proportion to the room rent limit.

To find out the Room Rent Limit applicable to your Onsurity membership, you can follow these steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document and search for the term "Room Rent Limit" under the Coverages section in the PDF. 

A sub-limit is a restriction set by insurance companies on the maximum claim amount for specific diseases, treatments, or provisions.

It can be a certain percentage of the total sum insured or a predetermined fixed amount agreed upon by the company.

For example, ICU limits and room rent limits are common sub-limits imposed by insurance companies. These sub-limits result in proportionate deductions being applied to your claims, which means you may receive a reduced coverage amount for certain expenses related to these limits.

In simpler terms, sub-limits put a cap on how much you can claim for certain things, like intensive care or room charges, which can affect the total amount you receive from your insurance company.

To find out the sub-limits applicable to your Onsurity membership, you can follow these steps: 

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document.

The sum insured is the maximum amount that your insurance company will pay for all your healthcare expenses in a year. It is essentially the coverage limit stated in your insurance policy.

In simple terms, it refers to the total amount of money you can claim from your insurance company for your medical costs within a specific time period. 

A waiting period is the time you have to wait before your health insurance coverage becomes effective. In health insurance, there are different types of waiting periods.

The initial waiting period means that if you get hospitalized within the first 30 days of the policy, you won't be able to claim any benefits from your insurance. However, this doesn't apply to hospitalization due to accidents.

The pre-existing disease waiting period is when insurance policies don't cover pre-existing diseases. If they do provide coverage, there is a waiting period of 2-4 years of continuous policy coverage before you can claim for treatments related to pre-existing conditions.

There can also be specific waiting periods for certain diseases, which means you must wait for a certain period before you can claim benefits for those illnesses.

To find out the waiting periods applicable to your Onsurity membership, you can follow these steps: 

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Look for the "Health Insurance" option just below the "Onsurity+" section and tap on it.
Step 4: Select the member/dependent from the drop-down appearing at the top-right of the screen.
Step 5: In the lower half of the screen, you'll find multiple sections. Scroll to the left until you see "Policy Docs" and tap on it.
Step 6: Download the GHI Summary document.

It's important to make sure that your personal and contact details are correct.

This helps prevent problems when filing a claim and ensures you receive important communications without any issues.

Keeping your information up to date is vital! To review and update your details, follow these steps:

Step 1: Open the Onsurity App on your phone.
Step 2: Log in using your registered mobile number.
Step 3: Tap on the Members section, usually found at the bottom of the home page.
Step 4: Look for the Primary member card and tap on the three dots at the top right.
Step 5: Select "View Member Details" from the options.
Step 6: Take a moment to review the displayed information. If anything needs to be changed, tap on "Edit" for personal details or "Change" for contact details.
Step 7: Make the necessary updates or corrections.
Step 8: Don't forget to double-check the details of any dependents or family members you have added to your membership. Make sure their information is accurate too.

By following these steps, you can ensure that your personal and contact information is correct and up to date, giving you peace of mind during the claims process and ensuring you don't miss any important communications.

A nominee is someone you choose to receive the policy benefits in case of your unexpected demise.

It's important to appoint a nominee to ensure that your loved ones are taken care of.

To add or edit a nominee for your Onsurity Membership policy, follow these simple steps:

Step 1: Open the Onsurity App on your mobile device.
Step 2: Log in using your registered mobile number.
Step 3: Once logged in, tap on the Members Section, which is the second option at the bottom of the home page.
Step 4: Find the Primary member card and tap on the three dots at the top right corner.
Step 5: Select "View Member Details" from the menu.
Step 6: In the "Nominee Details" section, click on the Edit option.
Step 7: Confirm that you want to add or edit nominee details.
Step 8: Provide the necessary information for the nominee.
Step 9: After entering the details, click on the Confirm button. Please note that you can add or edit the nominee details up to two times. 

If you have any questions or need assistance, feel free to reach out to us at care@onsurity.com 

You can raise a correction request from the Onsurity mobile app. Please follow the below-mentioned steps to raise an endorsement request:

You can change your contact details from the Onsurity mobile app. Please follow the below-mentioned steps to change your mobile number and/or Email ID:

The requested details may take up to 72 hours to update. If you don't see the changes or updates, please reach out to us at care@onsurity.com

One of the many benefits of Onsurity’s membership is that it gives the flexibility to the primary member to purchase the membership for the family members as well.

This membership can be purchased separately for the Spouse, Children, Parents, In-Laws, and Siblings as well with the flexibility to make monthly or annual payments directly through the Onsurity App.

Please click on this link and tap on “Buy for family member” to get started.

Please go through the Group Health Insurance Summary PDF and the other benefits carefully (you will see this after selecting the plan name during the purchase journey) before making the payment.

The availability of adding family members to your employer-provided plan may vary depending on the specific plan offered by your employer.

We have different age restrictions based on the relationship:

1. Parents: The age range is between 25 and 85 years old
2. In-Laws: The age range is between 35 and 85 years old
3. Spouse: The age range is from 18 and 65 years old
4. Children: The age range is from 0 to 35 years old
5. Siblings: The age range is from 3 to 45 years old

The price change could happen for the following reasons:

To buy a Clove dental membership, follow these steps on the Onsurity mobile app:

The Clove dental membership provides comprehensive annual dental care, covering everything from prevention to intervention. Purchase it on the Onsurity app's home page by clicking the Clove dental banner.

Your Clove dental membership includes benefits like:

Yes, your Clove dental membership can be used at any Clove dental clinic. Find clinics near you at https://Clovedental.in/dentist-near-me/.

Refer to the applicable terms and conditions before purchasing.

You can schedule any lab test listed on the Onsurity app. All our partners hold NABL accreditation. For tests with home sample collection, use the app to book. Visit the lab test page, enter your pin code, and use the search function to find and book desired tests.

No, lab tests aren't part of your healthcare membership. These tests are considered as OPD expenses and can be purchased through the app at discounted rates.

We're working on expanding our service locations. If your pin code isn't currently covered, please check back later to see if it becomes serviceable.

For pathology lab tests, sample collection is conducted at your home. There's no need to visit a clinic for sample submission.

After your sample is collected, expect to receive your test reports within 24-48 hours at your registered email address.

To schedule a tele-consultation on the Onsurity app, follow these steps:

With your Onsurity membership, you can choose from 19 different specializations for consultations, available via Video, Phone, and Chat.

Once your free consultations are used up, you can still access more doctor consultations by paying for them at discounted rates. You can also book consultations at discounted rates for non-member family or friends.

The Good Doctors team focuses on processing claims and related inquiries to ensure smooth claims experiences. While they do not offer consultation services, they are dedicated to efficient claim processing.

To locate the nearest Network/Cashless hospitals, follow these steps:

If your preferred hospital isn't listed in the cashless hospitals, you can pay for the treatment and collect all bills and payment receipts. After hospital discharge, you can request reimbursement by submitting the necessary documents.

“An Organisation’s Soul is in a happy Team”. Here are a few reasons why TeamSure is a notch above the others:

Onsurity is neither an insurance company nor an insurance broker /agent. Onsurity is a HealthTech platform where we provide healthcare memberships to our clients for their employees’ and customers’ wellness 

You can obtain membership under the TeamSure program for your “Team Members” who are residing in India and within Indian territory. Further, you can provide membership benefits to any of your team members, such as employees, freelancers, temporary staff and contractors. 

Yes. We have got the back of all your team members PAN India.

We just need to have your GSTIN details and some pretty basic information. No other documents are required to subscribe. 

We can provide the membership to your entire Team. You can even include your contractors or Freelancers under the program.

 The entry age for the Team Member into the program for each person shall be below 65 years.  

Since our membership allows you the option for monthly payment, all modes of payment with auto-debit / recurring payment facility are allowed for the program. Following are the instruments/modes of payment that support recurring payments: 

Under the Team Member Only membership, healthcare features and benefits are availed only by an individual team member in the organization. Under the Team Member & Family membership, healthcare features and benefits are extended to your team member as well as his/her spouse and two children aged up to 25 years.

Once you enrol your team member with the Healthcare Membership, he/she can extend the Healthcare Membership to defined family relationships on 

If you have selected the Team Member & Family membership, benefits are provided to your team member, his/her spouse and up to two children aged up to 25 years.

The discounted medicines delivery and health check-ups are provided by our partner network. There is discount up to 20% in medicine delivery and up to 65% in health check-ups / diagnostic tests. 

Apart from Over-the-Counter (OTC) medicines, doctor’s prescription will be necessary to order the medicine online. 

We do not provide any of yours or your family personal health data to your organisation. We only provide your enrolment details. Hence, any of your private records is safe with us! 

For better understanding of your health needs, we store your health records. Don’t worry, these records stay safe with us and no one else could access. This also helps you to check your health records at one place! 

Our partner network provides around 140+ tests as well as necessary health check-up packages to continually monitor your health. 

We will shortly bring this feature. Stay tuned! 

Apart from OTC medicines, discount is available on the medicines prescribed by a certified doctor, subject to availability of medicine in stock. 

The group health insurance plan provided by our partner health insurance company to Onsurity members provides with all the basic coverages an individual shall have. Following are the benefits under the plan: 

More than 10,000+ cashless network hospitals are there. Member can easily check the nearest hospital on Onsurity app. 

Our Partner Insurance Company has 10,000+ hospital network across India. Still if the Team Member take the treatment in any non-network hospital, then the Team Member can provide us with the details of the treatment and hospital bills on the Onsurity mobile application and/or 

Yes, after the initial waiting period of 15 days from the date of enrollment.  

The group health insurance plan provided by our partner health insurance company to Onsurity members provides with all the basic coverages an individual shall have. Following are the benefits under the plan: 

For each Team Member and their family covered under the group health insurance: 

There is no limit on number of claims under the group health insurance. Team Member can make claims admissible up to the Sum Insured during the span of 12 months, provided they continue to remain members under the TeamSure program. In case of the Team Member and Family membership type, the specified limit of Sum Insured is considered for the family (spouse and children), and not each individual Team Member.  

Pre-existing disease for each Team Member and their family is covered under the group health insurance, after 4 years from the date of enrolment. 

With increasing medical costs and need for better healthcare services, Onsurity believes everyone has right to safety of their health. For better sense of security, we encourage you to include your family members (spouse and children) and have Jade Healthcare 
Membership which provide highest level of care. 

Yes, at the time of onboarding you can select your preferred Healthcare Membership and pay monthly the difference due to upgrade.  

At the time of onboarding or using Onsurity app, a member can subscribe to the membership for their spouse and children.  

Since our membership allows you the option for monthly payment, all modes of payment with auto-debit / recurring payment facility are allowed for the program. Following are the instruments / modes of payment that support recurring payments: 

The monthly billing cycle is the date on which your subscription date to the TeamSure program is due on a monthly basis. For example, if your subscription date was on the 5th of a particular month, then your subscription date will be due on the 5th day of every month.

We charge you on the basis of your daily utilization for your active Team Member and Membership Type. So, if your monthly subscription at the time of your next subscription date comes out to be more or less than the initial subscription then this would be due to the following reasons:

Go to your TeamSure Dashboard and follow the discontinue procedures. The program will continue till next monthly subscription date before the subscription ends. Also, you can write to us at care@onsurity.com for discontinuation. We will refund you the refundable deposit based on the applicability. Please note that refundable deposit will not be refunded in case no request for deactivation is made before the monthly subscription due date. 

MEMBERSHIP TYPE	TOTAL FREE CONSULTATION *	WHEN IS IT AVAILABLE TO THE MEMBER
Onyx	1	1 available after 3 months of continuous subscription for a member
Opal	2	Each one available after:  a. 3 months of continuous subscription of a member  b. 6 months of continuous subscription of a member
Ruby	3	Each one available after:  a. 3 months of continuous subscription of a member  b. 6 months of continuous subscription of a member  c. 9 months of continuous subscription of a member
Jade	4	Each one available after:  a. 3 months of continuous subscription of a member  b. 6 months of continuous subscription of a member  c. 9 months of continuous subscription of a member  d. 12 months of continuous subscription of a member