Ten practical guides on group health, employee benefits, statutory cover, liability and claims — written for HR heads, founders and CFOs at Indian startups and SMEs. Free to read online, free to download.
Everything Indian employers need to know about Group Mediclaim (GMC): coverage, costs, compliance & how to pick the right plan. Free ebook.
How to design employee health & insurance benefits on a startup budget — what to include first, what to skip, and how to scale as you grow.
What Indian employers must know about Workmen’s Compensation insurance: legal obligations, coverage, costs, and how to stay compliant in 2026.
GTL and GPA insurance explained for Indian employers — coverage, cost, and how these low-cost benefits protect employees’ families.
What founders, boards and CFOs need to know about D&O, general liability, and professional indemnity insurance in India. Protect leadership.
A founder-friendly guide to the insurance every Indian startup actually needs, in the order you need it, without overspending.
What cyber insurance covers, why Indian companies need it under the DPDP Act, and how to choose the right policy for your business.
A practical guide for HR heads and founders on how to evaluate and choose the right corporate insurance broker in India.
The latest employee wellness and group health insurance trends shaping Indian workplaces in 2026 — what leading companies are adopting now.
A step-by-step guide for HR teams on managing corporate health insurance claims — cashless process, reimbursement, and avoiding rejections.
All 10 guides as a single ZIP — one form, one download. ~3.4 MB.
Yes. Every guide is free to read in full on this site with nothing to fill in, and free to download as a PDF after a short form so we know who we are helping.
No. The guides are written for any Indian employer, HR leader or founder evaluating group insurance, whether or not you work with us.
Yes — they cover Indian regulations (the Employees’ Compensation Act 1923, the DPDP Act 2023, state Shops & Establishments Acts), Indian insurers and rupee cost benchmarks.
Premium ranges and benchmarks are indicative and reviewed at least annually. Each guide carries the date its figures were last reviewed. They are not quotations.
Premium ranges, cost benchmarks and regulatory references in this guide are indicative and current as of February 2026. They are not a quotation and not legal or tax advice. Actual premiums depend on your group profile, claims history and insurer underwriting. Verify statutory obligations for your specific state, sector and headcount before acting. ClearCover (formerly MDH Insurance) is an IRDAI-registered Direct Broker, Reg. No. 596, Code DB 652/16.