TeamSure

About The Membership

“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.

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. 

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

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

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

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

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

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

  • 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.

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

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

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.

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! 

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

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

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

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

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

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

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

We will shortly bring this feature. Stay tuned! 

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

Group Health Insurance

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 

More than 7500 cashless network hospitals are there. Member can easily check the nearest hospital on Onsurity app. 

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.  

The Group Health Insurance for Onsurity members is provided by ICICI Lombard General Insurance Co. Ltd. 

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. 

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.

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. 
  •   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 

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

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

Plan Upgradation by Team Member

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

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

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

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

  • 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. 

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

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

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

  • 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.

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. 

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

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.

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.

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.

Go to Manage Team Members section in your “TeamSure Dashboard” and unsubscribe the member you wish to remove from the program.

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.

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.

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

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.

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.