Corporate Gratuity
Actuarial funding and group gratuity schemes designed to meet statutory liabilities while maximizing tax benefits for employers.
Customized Corporate Insurance and Employee Health Benefits for Modern Teams
From 5-member startups to 5,000+ enterprises — group health, transit, liability, and keyman policies with zero broker bias and dedicated claim managers.
500+Companies InsuredStartups to Enterprises
99.2%Total Claim Settlement RateDedicated TPA escalation
100%Tax DeductibleUnder Section 37(1)
24/7Dedicated TPA ManagerDirect single point of contact
Complete Corporate Protection Catalog
Tailored insurance solutions protecting your employees, physical infrastructure, corporate liabilities, and leadership continuity.
Group Term Life (GTL)
High sum-assured financial protection for your workforce's dependents at significantly discounted institutional rates.
Group Health Insurance (GMC)
Comprehensive hospitalization coverage with cashless network across 10,000+ top hospitals in India.
Pension
Structured corporate NPS and superannuation schemes offering dual tax advantages for both employer and employees.
Leave Encashment
Actuarially funded leave encashment schemes to de-risk corporate balance sheets from fluctuating liability costs.
Group Personal Accident (GPA)
Round-the-clock worldwide financial shield against accidental death, permanent total disability, and temporary loss of income.
Corporate Investment
Smart treasury solutions to earn higher yields on idle business surplus with optimal safety and high liquidity.
Corporate Fund Management
End-to-end management of trust funds, provident funds, and corporate reserves with institutional discipline.
Why Founders and HR Leaders Choose Bharat Financial Services
We eliminate broker bias, reduce administrative friction, and champion your employee claims.
Advantage 01
Custom Plan Structuring
Whether you are a 5-person seed startup or a 5,000-person enterprise, we build custom copay, room rent, and OPD structures matched to your exact budget.
Advantage 02
Digital Employee Portal
Instant digital access for employees to download health e-cards, find nearby network hospitals, and file reimbursement claims in 3 clicks.
Advantage 03
Institutional Volume Negotiation
We benchmark your policy across 20+ top IRDAI-registered insurers to secure 15% to 30% lower corporate premiums.
Advantage 04
Dedicated Corporate Claims Desk
Your HR team never has to chase TPAs or insurers. Our dedicated relationship manager escalates and resolves all cashless claims.
How Corporate Setup Works
A streamlined 3-step onboarding designed to launch your corporate cover with zero administrative delay.
Step 1
Share Census and Needs
Provide basic team headcount, demographic bands, and target coverage expectations.
Step 2
Compare 20+ Insurers
We negotiate institutional quotes with top insurers to deliver the lowest premiums and widest coverage.
Step 3
Launch Policy and E-Cards
Seamless digital policy issuance, employee onboarding webinars, and instant e-card access.
Request a Tailored Corporate Proposal
Fill the brief details below. Our Senior Corporate Accounts Director will benchmark 20+ top insurers and contact you within 4 hours.
Corporate Advisory Research
Explore All InsightsCorporate Insights and Regulatory Guides
In-depth guides on group health structuring, actuarial liabilities, and employee benefit taxation.
Corporate Benefits5 min read
The Founder’s Guide to Group Health Insurance (GMC): How Startups Save Up to 30%
Everything startup founders, CXOs, and HR leaders need to know about structuring custom team health benefits, minimum 5+ team thresholds, OPD covers, zero waiting periods, and digital cashless e-cards.
Senior Corporate Advisory Team
Read GuideCorporate Benefits6 min read
Tax Benefits of Corporate Insurance Under Section 37(1) Explained
How 100% of Group Health (GMC), Personal Accident (GPA), and Keyman Insurance premiums qualify as fully deductible business expenses to optimize corporate balance sheets.
Corporate Taxation and Risk Advisory
Read GuideCorporate Benefits7 min read
Keyman Insurance and Directors and Officers Liability: Protecting Business Continuity and Leadership
Safeguarding enterprise valuation, investor confidence during funding rounds, and board members from regulatory litigation, employment disputes, and operational disruption.
Executive Risk and Governance Practice
Read GuideWhat Our Clients Say
Real people. Real stories. Real guidance.
⭐ 4.9 / 5 Rating | 500+ Verified Reviews | Google Verified
Frequently Asked Questions for Employers
Common questions about group health policies, tax deductions, and employee claims.
Group Health Insurance can be started for teams as small as 5 to 7 employees for startups and MSMEs. As your team grows, you can seamlessly add new joiners and remove departing employees with pro-rata premium adjustments.