Frequently Asked Questions
Here are some of our most frequently asked questions to help you with your queries.
What is the meaning of Cashless Treatment?
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.
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.
What is the meaning of Copay?
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.
For example, if you have a 20% copay, you must pay 20% of the expenses, and the insurance company will cover the rest. Generally, the copay element ranges between 0% and 20%.
To find out the copay 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 "Co Pay" in the PDF to find the copay details.
What is the meaning of Daycare Treatment?
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.
Some common examples of daycare treatments include cataract surgery, dialysis, chemotherapy, radiation therapy, and more.
It's important to note that many insurance policies only cover hospitalizations that last more than 24 hours. As a result, daycare treatments may not be included in your policy's coverage. Therefore, it's recommended to choose an insurance policy that also covers daycare treatments.
It's worth mentioning that each insurance provider has a different list of eligible daycare treatments, and this list may change over time. It's advisable to check the specific coverage details before starting any treatment or hospitalization to ensure you have the necessary coverage.
To find out the list of “Daycare Treatments” covered 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: 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 click on the link "Specific Day Care treatments" in the PDF to find the complete list.
What is the meaning of Deductibles?
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.
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.
What is the meaning of Exclusions?
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."
For example, if you have diabetes and your insurance policy excludes pre-existing diseases, any medical condition or treatment related to diabetes will not be covered by your insurance company.
There are also "permanent exclusions" that are never covered by insurance, such as injuries caused by war, HIV, intentional injuries, and certain congenital diseases.
For exclusions like pre-existing diseases, you may have the option to get coverage after a waiting period, usually around 4 years. However, permanent exclusions are not eligible for coverage under any circumstances.
Group health insurance policies may have specific exclusions related to non-life-threatening procedures or cosmetic surgeries, and these exclusions can vary from one insurance company to another.
To find out the Exclusions 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 "Exclusions" in the PDF.
What is the meaning of ICU Limit?
An ICU limit is the maximum amount that your insurance company will cover for ICU expenses during hospitalization each day.
This limit is often a percentage of your total coverage (typically 1-3%). If your ICU charges go beyond this limit, you will be responsible for paying the difference.
Additionally, the amount the insurance company covers for other expenses, such as surgeon fees, consultations, diagnostics, and doctor visits, will also be proportionately reduced based on the ICU limit.
To find out the ICU 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 "ICU Limit" under the Coverages section in the PDF.
What is the meaning of Inclusions?
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.
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.
What is the meaning of Network Provider?
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.
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.
What is the meaning of Non-network Provider?
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.
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.
What is the meaning of “PED” or Pre-Existing Diseases?
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.
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.
What is the meaning of Post-hospitalization coverage?
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.
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.
What is the meaning of Pre-hospitalization coverage?
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.
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.
What is the meaning of Proportionate deduction?
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.
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.
What is the meaning of Room Rent Limit?
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.
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.
What is the meaning of Sub-Limit?
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.
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.
What is the meaning of Sum Insured?
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.
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.
What is the meaning of Waiting 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.
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.
How can I verify my personal and/or contact details provided in Onsurity's Membership?
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.
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.
What is the process for adding a nominee to my policy within the Onsurity Membership?
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
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
How do I make corrections to inaccurate personal details (Name/Gender/DOB) for both myself and my dependents?
You can raise a correction request from the Onsurity mobile app. Please follow the below-mentioned steps to raise an endorsement request:
- Login to Onsurity App using your registered mobile number and OTP
- Click on the members icon, next to the home icon on the bottom tile of the screen
- Click on the 3 dots on the concerned member’s tile and select "View membership details"
- Click on the edit option. Edit the required details and submit the request by sharing at least one Government ID proof, post which an endorsement request will be raised
- The proof shared will be validated by our team and the requested details will be updated within 72 hours
Please note that corrections can only be submitted once. We kindly ask you to ensure that the membership details match accurately with your ID proof before initiating the update request.
Can I update my mobile number and official email address?
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:
- Login to Onsurity App using your registered mobile number and OTP
- Click on the members icon, next to the home icon on the bottom tile of the screen
- Click on the 3 dots on the concerned member’s tile and select "View membership details"
- Tap on the “Change” option, enter the new mobile number/email ID, and click on “Send OTP”
- Enter the OTP and click on “Verify”
The details will be successfully updated. In case of a mobile number change, you will be logged out from the application, and you must log in to the app with the new number.
I requested a change in my personal details - why has it not been updated yet?
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
Can I purchase Onsurity’s membership for my family members?
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.
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.
Which family members can be covered under the membership provided by my employer?
The availability of adding family members to your employer-provided plan may vary depending on the specific plan offered by your employer.
Here are some common scenarios:
- In some cases, the plan only covers the employee (you) and does not include coverage for family members.
- In other cases, the plan may include coverage for the employee, their spouse, and up to two children under the age of 25.
- There are also instances where the plan covers the employee, their spouse, one set of parents or in-laws, and a maximum of four children.
It's important to understand the specific details of the plan provided by your employer to determine if and which family members can be added. You may need to consult with your employer or the plan administrator for further clarification on the coverage options available to your family members.
It's important to note that one of the great advantages of Onsurity's membership is that the primary member has the option to obtain individual memberships for their family members. These memberships can be purchased separately for each family member at a self-level, with the flexibility to make monthly or annual payments directly through the Onsurity App.
What is the minimum and maximum age for making personal purchases in Onsurity's Membership?
We have different age restrictions based on the relationship:
- Parents: The age range is between 25 and 85 years old
- In-Laws: The age range is between 35 and 85 years old
- Spouse: The age range is from 18 and 65 years old
- Children: The age range is from 0 to 35 years old
- Siblings: The age range is from 3 to 45 years old
Why is the amount I have to pay each month changing/this month different from what I paid in previous months?? What could be the reason for this change?
The price change could happen for the following reasons:
- If the age you selected during the purchase is different from the actual age when you or your dependent is added to the plan.
- If there is a change in the Date of Birth due to a successful endorsement, and the member moves from one age group to another. For example, from 18-35 years to 36-45 years.
- If there is a change in age bracket due to a birthday.
- If there is a change in the discount terms and conditions, where the discount applied during purchase is no longer valid based on the specific promo code's terms and conditions.
How can I purchase a Clove dental membership?
To buy a Clove dental membership, follow these steps on the Onsurity mobile app:
- Open the Onsurity App
- Explore exclusive offers on the home page
- Click on "Clove Dental"
- Proceed to "Buy now"
- Complete the payment
After successful payment, you'll receive your voucher code in the "Exclusive Orders" section of the app and your registered email.
What does the Clove dental membership include?
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.
What wellness benefits come with my Clove dental membership?
Your Clove dental membership includes benefits like:
- INR 1500 treatment voucher (redeemable without questions)
- INR 1500 treatment voucher (redeemable without questions) INR 3500 treatment voucher (for Ortho and G-implants)
- ...and more
Refer to the terms and conditions before purchase.
Is my Clove dental membership valid at all Clove dental clinics across India?
Yes, your Clove dental membership can be used at any Clove dental clinic. Find clinics near you at https://Clovedental.in/dentist-near-me/.
Are there any limitations to my Clove dental membership?
Refer to the applicable terms and conditions before purchasing.
Can I book lab tests recommended by my doctor through the Onsurity app?
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.
Are lab tests covered under my membership? How do I claim them?
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.
What should I do if my pin code isn't serviceable for lab tests?
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.
Where can I undergo my lab tests? Is there a list of clinics/hospitals?
For pathology lab tests, sample collection is conducted at your home. There's no need to visit a clinic for sample submission.
After scheduling and sample collection, when can I expect my lab test report?
After your sample is collected, expect to receive your test reports within 24-48 hours at your registered email address.
How do I book a doctor tele-consultation via the Onsurity app?
To schedule a tele-consultation on the Onsurity app, follow these steps:
- Log in to the Onsurity app
- From the app's home page, select "Doctor Consultation"
- Click on "Book now"
- Choose your consultation type and confirm your mobile number
- Proceed with the consultation
What types of consultations are available with the Onsurity Plus membership?
With your Onsurity membership, you can choose from 19 different specializations for consultations, available via Video, Phone, and Chat.
Can I book a paid consultation when my free ones are exhausted?
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.
Is it possible to consult the Good Doctors team at Onsurity?
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.
How can I find the list of nearby hospitals that offer cashless services?
To locate the nearest Network/Cashless hospitals, follow these steps:
- Open the Onsurity App on your mobile device.
- Log in using your registered mobile number.
- Find the "Health Insurance" option just below the "Onsurity+" section and tap it.
- Choose the member/dependent from the top-right drop-down.
- Tap "Hospitalization Assistance," select the checkbox, and tap "Proceed."
- Tap "View Hospitals."
- Search for the specific hospital using its name, city, or pin code.
What should I do if I can't find my desired hospital in the cashless hospitals list?
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.
About The Membership
Why choose TeamSure by Onsurity?
“An Organisation’s Soul is in a happy Team”. Here are a few reasons why TeamSure is a notch above the others:
- Maintains efficiency of your workforce which helps you to achieve your company’s growth.
- Higher retention rates for your team members.
- Better affordability and working capital management due to monthly subscription.
- Digital Enrolment & Zero paperwork.
- Just 3 minimum number of team members.
- Include every team member: Employees, freelancers, temporary staff and contractors.
Is Onsurity an Insurance company or Insurance broker/agent?
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
and healthcare.
For whom can I subscribe for the Wellness Membership?
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.
My offices are in various cities around India, are my team members in different cities covered?
Yes. We have got the back of all your team members PAN India.
What details/documents are required to subscribe for the Wellness Membership?
We just need to have your GSTIN details and some pretty basic information. No other documents are required to subscribe.
What kind of team members do you provide membership to? Permanent, Temporary, Probationary, Contract based members
We can provide the membership to your entire Team. You can even include your contractors or Freelancers under the program.
Is there any age restriction under the membership program?
The entry age for the Team Member into the program for each person shall be below 65 years.
What financial instruments/mode of payments are allowed for the program?
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:
- All Credit Cards on Visa and Mastercard network with one-time authentication.
- Debit Cards on Visa and Mastercard network issued by ICICI Bank, Kotak Mahindra bank, Citibank and Canara Bank with one-time authentication.
- Enabling automated recurring transactions over a bank account via E-mandate registration through Netbanking or Debit Card
The list may be updated from time to time.
What is the difference between Team Member only and Team Member & Family Membership?
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.
Who all can my team members extend the membership to?
Once you enrol your team member with the Healthcare Membership, he/she can extend the Healthcare Membership to defined family relationships on
Onsurity mobile application.
Is there a limit on the number of children a team member can add?
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.
For any additional child or definite family relationships, your team member can subscribe to the Healthcare Membership separately on the Onsurity mobile application.
What is the Teamsure Membership by Onsurity?
TeamSure is a monthly subscription program which provides a comprehensive healthcare membership plan to your employees at usage-based pricing.
Membership under the TeamSure program includes:
- Monthly Subscription Plan: Zero upfront costs – no block of your working capital
- Zero Documentation: No payroll data or employment proof required. Completely Digital Enrolment and Auto-Debit Payment facility
- Group Health Insurance: By a top tier Partner Insurance Company providing Sum Insured of INR 1 – 5 lacs on a group insurance basis
- Usage-Based Payment: 1-click to subscribe/unsubscribe a Team Member.
- Wider Team Definition: Team Members can include your employees, contract labourers, contractors and their outsourced workers, vendors, consultants, freelancers, and other part-time workers.
- Family Plans: Team Members can self-upgrade the membership to include their family members, keeping the company’s expenditure reasonable and making payroll management easy.
- Discounted Medicines and Health Check-ups: Up to 65% off on health check-ups and 20% off on online medicine orders.
- Doctor Teleconsultation: Free doctor teleconsultation available, based on the membership criteria. Also, discounted Doctor Tele-consultation available.
- TeamSure Dashboard: Manage the entire Team’s membership under the TeamSure program through a single dashboard.
- Assistance during hospitalisation: Complete assistance to Team Member during hospitalisation by Onsurity’s Good Doctor team.
- Fitness tracking: Using your smartphone, you can track the number of steps you do daily. Aim for 10,000!
- Most Economical!
My organisation does not have GSTIN. Can I still purchase?
To subscribe to our TeamSure program, GSTIN is mandatory on the website or you should be registered with EPFO. However, if you are a business registered under MSME then please reach out to us at care@onsurity.com for assistance
Can I modify the membership plan for each of my team member?
Currently, we only allow a single plan across the Team during the subscription as it gives everyone an equal sense of security. Onsurity believes each Team Member should have equal rights for their health working with a Team as each one of them is contributing towards their Team’s growth.
But hey! Please write to Us at care@onsurity.com If you are still looking for customizing the membership plans based on certain criteria for your team members, we will be happy to assist!
Fitness, Health Check-ups and Medicines
What is the discount on the medicines and health check-up plan?
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.
Do I need a doctor’s prescription for ordering medicine?
Apart from Over-the-Counter (OTC) medicines, doctor’s prescription will be necessary to order the medicine online.
What personal health data is accessible to my organization?
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!
Does Onsurity get access to my health reports If I book a lab test through the platform?
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!
What are the tests covered in the Lab tests?
Our partner network provides around 140+ tests as well as necessary health check-up packages to continually monitor your health.
Can I book the Covid-19 (Corona Virus) test online?
We will shortly bring this feature. Stay tuned!
On which medicines are discounts available?
Apart from OTC medicines, discount is available on the medicines prescribed by a certified doctor, subject to availability of medicine in stock.
Group Health Insurance
What are coverages under the Group Health Insurance for Onsurity members?
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:
- In-patient hospitalization [24 hours or more]
- Day Care treatment
- Pre & Post hospitalization expenses (30 & 60 Days)
- Ambulance transportation cover – INR 2,500 per event
- Room rent
- Normal room: 2% of the Sum Insured per day
- ICU: 5% of the Sum Insured per day
- AYUSH treatment – upto the Sum Insured
- Cataract – 25% of the Sum Insured or INR 40,000, whichever is lower – one claim for one eye during one policy year
- Dental treatment, if necessitated due to disease or injury
- Plastic surgery, if necessitated due to disease or injury
How many network hospitals are there?
More than 7500 cashless network hospitals are there. Member can easily check the nearest hospital on Onsurity app.
What happens if my hospital is not there in the network?
Our Partner Insurance Company has 7500+ 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
website.
If the Team Member’s claim is valid, then our Partner Insurance Company will reimburse the amount for the treatment taken.
Does Group Health Insurance under the Healthcare Membership cover Covid-19?
Yes, after the initial waiting period of 15 days from the date of enrollment.
Covid-19 related expenses will be provided only in case of hospitalization of more than 24 hours. Also, there is a waiting period of 15 days for Covid-19. The benefit will not be provided in the following cases:
- Self-quarantine.
- Quarantine advised by any unauthorized testing center.
- Quarantine/isolation at any unauthorized center.
- Self-isolation during the lockdown.
What are coverages under the Group Health Insurance for Onsurity members?
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:
- In-patient hospitalization [24 hours or more] with Covid-19 covered
- Specific Day Care treatments – 150 defined list of treatments
- Pre & Post hospitalisation expenses (30 & 60 Days)
- Room rent (proportional deduction applicable for higher room category)
– Normal room: 2% of the Sum Insured per day
– ICU: 5% of the Sum Insured per day AYUSH treatment is covered in a government hospital – up to the Sum Insured
- Domiciliary Hospitalisation is covered as per policy terms
- Ambulance charges are covered up to Rs. 2,500 per hospitalization Cataract – 25% of the Sum Insured or INR 40,000, whichever is lower
- Dental treatment, if necessitated due to injury
- All coverages are subject to the insurance policy terms.
What are all the waiting periods under the Group Health Insurance?
For each Team Member and their family covered under the group health insurance:
- There is an initial waiting period of 15 days for Covid-19 from the date of enrollment of each member.
- There is an initial waiting period of 30 days for any other hospitalization than Covid-19 (not applicable in the case of accidental hospitalization) from the date of enrollment of each member.
- Pre-existing diseases are not covered for 4 years from the date of enrollment.
What is not covered under the Group Health Insurance?
- Maternity related hospitalisation
- Hospitalization less than 24 hours
- Out-patient expenses
- Treatments related to dental, unless necessitated due to injury
- Other general exclusions of the group health insurance policy
How many numbers of claims are allowed 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.
Are my pre-existing diseases covered?
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.
Plan Upgradation by Team Member
Why should I upgrade my plan to include my family and enhance the membership?
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.
Membership which provide highest level of care.
Can I upgrade the membership from the one provided to me by my organization?
Yes, at the time of onboarding you can select your preferred Healthcare Membership and pay monthly the difference due to upgrade.
Can I purchase the plan for my family members?
At the time of onboarding or using Onsurity app, a member can subscribe to the membership for their spouse and children.
What payment modes are allowed for the plan upgrade and family member subscription?
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:
- All Credit Cards on Visa and Mastercard network with one-time authentication.
- Debit Cards on Visa and Mastercard network issued by ICICI Bank, Kotak Mahindra bank, Citibank and Canara Bank with one-time authentication.
- Enabling automated recurring transactions over a bank account via E-mandate registration through Netbanking or Debit Card
The list may be updated from time to time.
Can I pay annually or quarterly?
We only offer our plans on the monthly subscription basis as of now. However, please write to us at care@onsurity.com for your valuable feedback. We will be happy to assist!
Subscription
What is the monthly billing cycle?
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.
I am paying more monthly subscription fees than what was shown to me at the time of registration?
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:
- More / Less number of Team Member in the organization than originally provided to us.
- Different Age-distribution across Team Members than originally provided.
- Movement in the number of Team Members (Joiners and Leavers) during the monthly cycle.
- Late onboarding/activation of the plan by a Team Member.
Our TeamSure Dashboard provides you with the complete details of the amount charged from the subscription amount collected.
How do I discontinue my enrolment from the Onsurity program?
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.
What is subscription fee and how it is charged?
The subscription fee is the amount we charge from You to onboard onto our platform for providing Healthcare Membership to Your Team Member.
- The initial subscription amount is calculated for 45 days (1 month + 15 days advanced refundable deposit) depending on the plan type, number of team members and their estimated age. Let’s name it as (A)
- At the end of the month:
- We compute the charge for the month which is calculated on the basis of the actual number of the team members, their age, their plan type and the number of days for which they were activated for the last month on our platform (B)
- We compute 15 days refundable deposit basis the team members who were active as on the billing date (C)
- The next month bill and the auto-debit amount would then become (B + C – A).
You may also discontinue your existing subscription to the TeamSure program by providing us with a written notice atleast 15 days prior to the next subscription due date, care@onsurity.com.
Any unutilized sums held as Membership Subscription Deposit would be refunded to you on your request, per Our sole discretion.
Team Onboarding/Employer Dashboard
How do I invite my team members?
Team member’s onboarding process is straightforward and simple. You just have to invite your team. We give you the following options to invite your team members:
- You can provide us with your team members’ email ids or mobile number and we will send them invitations. You can provide this on the web or upload an Excel on TeamSure dashboard.
- Alternatively, you can register your company’s domain with us and then your team members can onboard themselves by logging through their Company’s Email id.
How will my team members onboard themselves?
Once your team has received the invitation on their mobile or email ID, they can follow the invitation link and onboard themselves. Also, they can log in on Onsurity mobile application to onboard.
What are the details we will ask from your team members at the time of onboarding?
We need very basic details such as date of birth, name and gender of your team members and their family member/s for activation of the membership.
How do I remove a team member?
Go to Manage Team Members section in your “TeamSure Dashboard” and unsubscribe the member you wish to remove from the program.
What if my team member leaves in between the month? Do I pay full month membership subscription price?
If your Team Member leaves you between the month and you have removed the Team Member using “TeamSure Dashboard”, then we only charge you till the date of removal of such Team Member.
Please note that the membership un-subscribe date for a team member will be considered as the date on which such un-subscribe information is intimated to us regardless of the actual leaving date of the team member from the organization.
How do I add a team member?
Go to the “Add Member” section in your “TeamSure Dashboard” and add the team member by inviting them or provide all the required details to activate the membership of team member directly.
When does the membership become active for a team member?
The membership becomes active for the respective Team Member when he/she have successfully onboarded themselves or all details of employees are provided to us for activation.
The membership becomes active for the respective Team Member when he/she have successfully onboarded themselves or all details of employees are provided to us for activation.
The TeamSure Dashboard simplifies managing the team’s membership under Onsurity Healthcare Membership program. Through our TeamSure Dashboard, a user can do the following with ease:
- Add / Remove a team member from the membership subscription
- Inviting team members
- Checking monthly billing and invoices
- Checking Enrolled Team Member’s profile and their membership details
- Adding and managing user roles and responsibilities
- Visualisation and analysis of the plan
- Other ad-hoc services and products of Onsurity
Where can my team members view their health insurance card?
Once, your Team Member has onboarded, they can login to our App and can see their health card there.
Also, you can see their health card in your TeamSure Dashboard.
During initial onboarding, I did not add my Spouse or Child. How do I add them?
If your organization’s membership plan includes your spouse and 2 children, then we recommend adding your spouse and children details before you activate your membership.
Addition of EXISTING spouse or child to your organization’s plan will not be allowed later other than the natural reasons such as marriage or newborn child.
TeamSure
What is Free Doctor Tele-consultation and how is it availed?
- Based on the membership plan you have subscribed for your team members, they are eligible to a free doctor tele consultation from our partner network on condition that a member is subscribed under the plan for at least 3 continuous months. The following table provides the details of the free doctor tele-consultation:
| MEMBERSHIP TYPE | TOTAL FREE CONSULTATION * | WHEN IS IT AVAILABLE TO THE MEMBER |
| Topaz | 0 | Not Available |
| 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 |
What are coverages under the Group Health Insurance for Onsurity members?
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:
- In-patient hospitalization [24 hours or more]
- Day Care treatment
- Pre & Post hospitalization expenses (30 & 60 Days)
- Ambulance transportation cover – INR 2,500 per event
- Room rent
- Normal room: 2% of the Sum Insured per day
- ICU: 5% of the Sum Insured per day
- AYUSH treatment – upto the Sum Insured
- Cataract – 25% of the Sum Insured or INR 40,000, whichever is lower – one claim for one eye during one policy year
- Dental treatment, if necessitated due to disease or injury
- Plastic surgery, if necessitated due to disease or injury
How many network hospitals are there?
More than 7500 cashless network hospitals are there. Member can easily check the nearest hospital on Onsurity app.
What happens if my hospital is not there in the network?
Our Partner Insurance Company has 7500+ 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
website.
If the Team Member’s claim is valid, then our Partner Insurance Company will reimburse the amount for the treatment taken.
Why should I upgrade my plan to include my family and enhance the membership?
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.
Can I upgrade the membership from the one provided to me by my organization?
Yes, at the time of onboarding you can select your preferred Healthcare Membership and pay monthly the difference due to upgrade.
Can I purchase the plan for my family members?
At the time of onboarding or using Onsurity app, a member can subscribe to the membership for their spouse and children.
What payment modes are allowed for the plan upgrade and family member subscription?
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:
- All Credit Cards on Visa and Mastercard network with one-time authentication.
- Debit Cards on Visa and Mastercard network issued by ICICI Bank, Kotak Mahindra bank, Citibank and Canara Bank with one-time authentication.
- Enabling automated recurring transactions over a bank account via E-mandate registration through Netbanking or Debit Card
The list may be updated from time to time.
What is the discount on the medicines and health check-up plan?
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.
Do I need a doctor’s prescription for ordering medicine?
Apart from Over-the-Counter (OTC) medicines, doctor’s prescription will be necessary to order the medicine online.
What personal health data is accessible to my organization?
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!
Does Onsurity get access to my health reports If I book a lab test through the platform?
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!
What are the tests covered in the Lab tests?
Our partner network provides around 140+ tests as well as necessary health check-up packages to continually monitor your health.
Can I book the Covid-19 (Corona Virus) test online?
We will shortly bring this feature. Stay tuned!
On which medicines are discounts available?
Apart from OTC medicines, discount is available on the medicines prescribed by a certified doctor, subject to availability of medicine in stock.
Why choose TeamSure by Onsurity?
“An Organisation’s Soul is in a happy Team”. Here are a few reasons why TeamSure is a notch above the others:
- Maintains efficiency of your workforce which helps you to achieve your company’s growth.
- Higher retention rates for your team members.
- Better affordability and working capital management due to monthly subscription.
- Digital Enrolment & Zero paperwork.
- Just 3 minimum number of team members.
- Include every team member: Employees, freelancers, temporary staff and contractors.
Is Onsurity an Insurance company or Insurance broker/agent?
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 and healthcare.
For whom can I subscribe for the Wellness Membership?
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.
My offices are in various cities around India, are my team members in different cities covered?
Yes. We have got the back of all your team members PAN India.
What details/documents are required to subscribe for the Wellness Membership?
We just need to have your GSTIN details and some pretty basic information. No other documents are required to subscribe.
What kind of team members do you provide membership to? Permanent, Temporary, Probationary, Contract based members
We can provide the membership to your entire Team. You can even include your contractors or Freelancers under the program.
Is there any age restriction under the membership program?
The entry age for the Team Member into the program for each person shall be below 65 years.
What financial instruments/mode of payments are allowed for the program?
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:
- All Credit Cards on Visa and Mastercard network with one-time authentication.
- Debit Cards on Visa and Mastercard network issued by ICICI Bank, Kotak Mahindra bank, Citibank and Canara Bank with one-time authentication.
- Enabling automated recurring transactions over a bank account via E-mandate registration through Netbanking or Debit Card
The list may be updated from time to time.
What is the difference between Team Member only and Team Member & Family Membership?
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.
Who all can my team members extend the membership to?
Once you enrol your team member with the Healthcare Membership, he/she can extend the Healthcare Membership to defined family relationships on Onsurity mobile
application.
application.
Is there a limit on the number of children a team member can add?
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.
For any additional child or definite family relationships, your team member can subscribe to the Healthcare Membership separately on the Onsurity mobile application.
How do I invite my team members?
Team member’s onboarding process is straightforward and simple. You just have to invite your team. We give you the following options to invite your team members:
- You can provide us with your team members’ email ids or mobile number and we will send them invitations. You can provide this on the web or upload an Excel on TeamSure dashboard.
- Alternatively, you can register your company’s domain with us and then your team members can onboard themselves by logging through their Company’s Email id.
How will my team members onboard themselves?
Once your team has received the invitation on their mobile or email ID, they can follow the invitation link and onboard themselves. Also, they can log in on Onsurity mobile application to onboard.
What are the details we will ask from your team members at the time of onboarding?
We need very basic details such as date of birth, name and gender of your team members and their family member/s for activation of the membership.
How do I remove a team member?
Go to Manage Team Members section in your “TeamSure Dashboard” and unsubscribe the member you wish to remove from the program.
What if my team member leaves in between the month? Do I pay full month membership subscription price?
If your Team Member leaves you between the month and you have removed the Team Member using “TeamSure Dashboard”, then we only charge you till the date of removal of such Team Member.
Please note that the membership un-subscribe date for a team member will be considered as the date on which such un-subscribe information is intimated to us regardless of the actual leaving date of the team member from the organization.
How do I add a team member?
Go to the “Add Member” section in your “TeamSure Dashboard” and add the team member by inviting them or provide all the required details to activate the membership of team member directly.
When does the membership become active for a team member?
The membership becomes active for the respective Team Member when he/she have successfully onboarded themselves or all details of employees are provided to us for activation.
What are the features of the TeamSure Dashboard?
The TeamSure Dashboard simplifies managing the team’s membership under Onsurity Healthcare Membership program. Through our TeamSure Dashboard, a user can do the following with ease:
- Add / Remove a team member from the membership subscription
- Inviting team members
- Checking monthly billing and invoices
- Checking Enrolled Team Member’s profile and their membership details
- Adding and managing user roles and responsibilities
- Visualisation and analysis of the plan
- Other ad-hoc services and products of Onsurity
Where can my team members view their health insurance card?
Once, your Team Member has onboarded, they can login to our App and can see their health card there.
Also, you can see their health card in your TeamSure Dashboard.
During initial onboarding, I did not add my Spouse or Child. How do I add them?
If your organization’s membership plan includes your spouse and 2 children, then we recommend adding your spouse and children details before you activate your membership.
Addition of EXISTING spouse or child to your organization’s plan will not be allowed later other than the natural reasons such as marriage or newborn child.
What is the monthly billing cycle?
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.
I am paying more monthly subscription fees than what was shown to me at the time of registration?
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:
- More / Less number of Team Member in the organization than originally provided to us.
- Different Age-distribution across Team Members than originally provided.
- Movement in the number of Team Members (Joiners and Leavers) during the monthly cycle.
- Late onboarding/activation of the plan by a Team Member.
Our TeamSure Dashboard provides you with the complete details of the amount charged from the subscription amount collected.
Does Group Health Insurance under the Healthcare Membership cover Covid-19?
Yes, after the initial waiting period of 15 days from the date of enrollment.
Covid-19 related expenses will be provided only in case of hospitalization of more than 24 hours. Also, there is a waiting period of 15 days for Covid-19. The benefit will not be provided in the following cases:
- Self-quarantine.
- Quarantine advised by any unauthorized testing center.
- Quarantine/isolation at any unauthorized center.
- Self-isolation during the lockdown.
What are coverages under the Group Health Insurance for Onsurity members?
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:
- In-patient hospitalization [24 hours or more] with Covid-19 covered
- Specific Day Care treatments – 150 defined list of treatments
- Pre & Post hospitalisation expenses (30 & 60 Days)
- Room rent (proportional deduction applicable for higher room category)
– Normal room: 2% of the Sum Insured per day
– ICU: 5% of the Sum Insured per day AYUSH treatment is covered in a government hospital – up to the Sum Insured
- Domiciliary Hospitalisation is covered as per policy terms
- Ambulance charges are covered up to Rs. 2,500 per hospitalization Cataract – 25% of the Sum Insured or INR 40,000, whichever is lower
- Dental treatment, if necessitated due to injury
- All coverages are subject to the insurance policy terms.
What are all the waiting periods under the Group Health Insurance?
For each Team Member and their family covered under the group health insurance:
- There is an initial waiting period of 15 days for Covid-19 from the date of enrollment of each member.
- There is an initial waiting period of 30 days for any other hospitalization than Covid-19 (not applicable in the case of accidental hospitalization) from the date of enrollment of each member.
- Pre-existing diseases are not covered for 4 years from the date of enrollment.
What is not covered under the Group Health Insurance?
- Maternity related hospitalisation
- Hospitalization less than 24 hours
- Out-patient expenses
- Treatments related to dental, unless necessitated due to injury
- Other general exclusions of the group health insurance policy
How many numbers of claims are allowed 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.
Are my pre-existing diseases covered?
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.
What is the Teamsure Membership by Onsurity?
TeamSure is a monthly subscription program which provides a comprehensive healthcare membership plan to your employees at usage-based pricing.
Membership under the TeamSure program includes:
- Monthly Subscription Plan: Zero upfront costs – no block of your working capital
- Zero Documentation: No payroll data or employment proof required. Completely Digital Enrolment and Auto-Debit Payment facility
- Group Health Insurance: By a top tier Partner Insurance Company providing Sum Insured of INR 1 – 5 lacs on a group insurance basis
- Usage-Based Payment: 1-click to subscribe/unsubscribe a Team Member.
- Wider Team Definition: Team Members can include your employees, contract labourers, contractors and their outsourced workers, vendors, consultants, freelancers, and other part-time workers.
- Family Plans: Team Members can self-upgrade the membership to include their family members, keeping the company’s expenditure reasonable and making payroll management easy.
- Discounted Medicines and Health Check-ups: Up to 65% off on health check-ups and 20% off on online medicine orders.
- Doctor Teleconsultation: Free doctor teleconsultation available, based on the membership criteria. Also, discounted Doctor Tele-consultation available.
- TeamSure Dashboard: Manage the entire Team’s membership under the TeamSure program through a single dashboard.
- Assistance during hospitalisation: Complete assistance to Team Member during hospitalisation by Onsurity’s Good Doctor team.
- Fitness tracking: Using your smartphone, you can track the number of steps you do daily. Aim for 10,000!
- Most Economical!
My organisation does not have GSTIN. Can I still purchase?
To subscribe to our TeamSure program, GSTIN is mandatory on the website or you should be registered with EPFO. However, if you are a business registered under MSME then please reach out to us at care@onsurity.com for assistance
Can I pay annually or quarterly?
We only offer our plans on the monthly subscription basis as of now. However, please write to us at care@onsurity.com for your valuable feedback. We will be happy to assist!
How do I discontinue my enrolment from the Onsurity program?
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.
What is subscription fee and how it is charged?
The subscription fee is the amount we charge from You to onboard onto our platform for providing Healthcare Membership to Your Team Member.
- The initial subscription amount is calculated for 45 days (1 month + 15 days advanced refundable deposit) depending on the plan type, number of team members and their estimated age. Let’s name it as (A)
- At the end of the month:
- We compute the charge for the month which is calculated on the basis of the actual number of the team members, their age, their plan type and the number of days for which they were activated for the last month on our platform (B)
- We compute 15 days refundable deposit basis the team members who were active as on the billing date (C)
- The next month bill and the auto-debit amount would then become (B + C – A).
You may also discontinue your existing subscription to the TeamSure program by providing us with a written notice atleast 15 days prior to the next subscription due date, care@onsurity.com.
Any unutilized sums held as Membership Subscription Deposit would be refunded to you on your request, per Our sole discretion.
Can I modify the membership plan for each of my team member?
Currently, we only allow a single plan across the Team during the subscription as it gives everyone an equal sense of security. Onsurity believes each Team Member should have equal rights for their health working with a Team as each one of them is contributing towards their Team’s growth.
But hey! Please write to Us at care@onsurity.com If you are still looking for customizing the membership plans based on certain criteria for your team members, we will be happy to assist!
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