Affinity · Health Insurance
Group health, embedded exactly where your users need it
Embedded GHI for hospitalisation, OPD, maternity and diagnostics - fully customisable per partner. Designed for platforms that want to give their users meaningful health cover without the complexity of a traditional insurer relationship.
CASHLESS GHI
Maternity + OPD included
PROTECTION AT SCALE
30,000+ monthly lives
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
Group Hospitalisation (GHI)
Sum insured ₹50,000–₹25L base, super top-up to ₹1Cr. Daily, weekly, monthly or annual tenure. Self + family.
Included coverage
- Hospitalisation
- Day care
- Pre/post hospitalisation
- Maternity (configurable)
- OPD (configurable)
- Diagnostics (configurable)
For: Individuals and families across partner platforms - gig workers, salaried employees, platform subscribers
Which platforms embed Health Insurance
Health Insurance works across a wide range of industries and trigger moments. We scope both together so the cover appears exactly when your user needs protection.
Embeds at
Gig Platforms
Monthly GHI bundled at onboarding - keeps riders and delivery partners covered
Fintech & Neo-banks
Health cover as a premium subscriber benefit
HRMS & Payroll
Embedded GHI for employee benefits via payroll platforms
Senior Care Platforms
Annual GHI with maternity and diagnostics for aging population
Femtech
Women-specific health cover with maternity and OPD bundled at subscription
Domestic Worker Platforms
Monthly GHI for domestic workers - employer-paid or worker-paid
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service health insurance at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
Fully customisable per partner
Sum insured, tenure, OPD inclusion, maternity cap, family floater vs individual, all configurable per your user segment
Monthly tenures
Not every user can commit to an annual policy; weekly and monthly options make health cover accessible to gig and informal workers
Co-designed
We work with your product and ops teams to scope the right configuration; catalogue selling doesn't work in health insurance
Live on the platform
Partners who have embedded this product.
Last-mile delivery platforms
Gig Worker Health + PA
Coverage
Cashless hospitalisation up to ₹3L, accidental death and disability (PA up to ₹5L), accidental hospitalisation and OPD for riders and their families. Health from ₹100/month; PA from ₹4/month.
30,000+
lives covered every month
50+
claims settled
Outcome
Manpower retention, gig-worker compliance, and a real safety net for delivery partners and their families
How it embeds
A delivery partner falls ill and is admitted to hospital, placing huge financial strain on their family. The health insurance embedded at platform onboarding covers the hospitalisation costs - no out-of-pocket burden, no disruption to their livelihood during recovery.
Common questions
View all FAQsThrough the Affinity platform, Bharatsure offers embedded group hospitalisation - designed for platforms distributing to a defined user base. Individual retail health is a separate product category.
Yes. Both are configurable add-ons - included or excluded based on your user segment and pricing model.
The user presents their digital e-card at a network hospital. Bharatsure's TPA partner handles pre-authorisation. The partner and user can track claim status in real time on the dashboard.
Give your users health cover that actually works
Embed cashless hospitalisation, OPD and daily-cash cover into the journeys your users already trust - from onboarding to checkout. Tell us your platform and segment, and we'll co-design affordable health cover with servicing and claims handled end-to-end.
