Employee insurance for startups

Coverage your team can actually see through

Group health insurance built for founders who do not have time to decode policy fine print. Set up quickly, and explained in language your team will actually read.

See how it works

What the cover includes

  • Cover that adjusts as you hire
  • Cashless claims and a live support line
  • Spouse, children and parents included

Cover, eligibility and dependant definitions are set by the policy issued to you. We will walk you through the terms before anything is bound.

Three things founders always ask us about benefits

These pages exist because the same three questions come up every time a growing team sets up health insurance for the first time.

Will this still fit as we scale?

Cover adjusts with headcount and hiring pace, so a policy bought at fifteen people still makes sense at fifty rather than being renegotiated from scratch.

What happens when someone actually needs it?

Cashless claims at network hospitals, a support line for coordination, and no paperwork chase. Cover is only useful if the claim moment is simple.

Who is actually covered?

Spouses, children and parents can be included, with the dependant definition stated up front rather than discovered at claim time.

How it works

  1. 01

    Benchmarking

    We look at your current setup — or the absence of one — and show you what comparable companies at your stage typically offer.

  2. 02

    Plan design

    We shape cover around your headcount and the benefits your team actually values, rather than starting from a template.

  3. 03

    Rollout

    Your team gets a short, plain-language walkthrough instead of a PDF nobody opens, so people know what they are covered for.

Frequently asked questions

How many employees does a startup need for group health insurance?
Insurers set their own minimum group size, and smaller teams can usually be covered under a group policy subject to those requirements. The practical threshold is lower than most founders expect, and it is worth asking rather than assuming a small team is ineligible.
Can we add employees mid-policy as we hire?
Yes. Group policies are endorsed during the policy year to add joiners and remove leavers, which is exactly why a group arrangement suits a team that is still growing.
Do we have to cover dependants?
That is a design choice. Many startups begin with employee-only cover and extend to spouse and children, then parents, as the benefits budget matures. The structure should be decided deliberately, because changing it later affects continuity for employees.
What is the difference between group health insurance and an individual policy?
A group policy is arranged by the employer for eligible employees, typically without the waiting periods and medical underwriting an individual buyer faces. The trade-off is that cover is tied to employment and ends when someone leaves, unless it is ported.

Related

ClearCover is an IRDAI-registered insurance broker. This page is general information, not advice. Cover, eligibility, waiting periods and exclusions are governed by the policy wording issued by the insurer.

Give your team cover they understand

Most first conversations take about fifteen minutes.