01
Wellness-data renewal brief
An anonymized cohort wellness score rolled into the broker’s renewal pack.
Sharper negotiation, roughly 15% premium savings.
Activity shown in the product preview: Workflow triggered, Task complete, 12 reactions, Credits redeemed.
Insurance & protection
Insurance & Protection, negotiated with wellness data
Group Term Insurance, super top-ups, Small Ticket Insurance, OPD, and GPA, all in one layer. Wellness data drives the renewal conversation.
TRUSTED BY LEADING BRANDS
The GTI play
Start the renewal conversation with data, not a quote sheet
Group Term Insurance renews on observed risk. Feed the broker an anonymized wellness picture and a claim-ratio trend, and the negotiation tilts in your favour.
~15%
Typical GTI premium saving on renewal.
Privacy-first, only cohort-level data leaves the platform.
02
Claim-ratio trend
Year-on-year claim trend with a benchmark the insurer recognises.
Gives the broker real leverage at the table.
03
Personalization
Coverage nudges based on life stage and dependents.
Employees finally perceive the benefit as theirs.
Four numbers that explain the protection layer
~15%
GTI premium saving
Typical renewal savings when wellness data drives the negotiation.
12+
Top-up & small-ticket products
Across super top-up, OPD, sachet-style microcovers, and GPA.
4
Insurers integrated
Out of the box. More available via custom integration.
0
Employee paperwork
Paperless enrolment, paperless claims, HITL validation.
Top-ups employees want
Layer cover onto the base, one tap at a time
Employer-paid base GTI sits at the bottom. Everything above it is opt-in and wallet-funded, so employees build exactly the protection their life stage needs.
Super top-up
₹5L–₹25L cover
₹5L to ₹25L of extra cover once the base sum insured is exhausted.
It sits on top of the base GTI. The moment the base sum insured is used up in a policy year, the super top-up absorbs everything above the deductible, so a single major hospitalisation never wipes out a family’s savings.
- Kicks in after the base cover is exhausted.
- Deductible set at the base sum insured.
- Wallet-funded, opt in at any band.
Trigger · Hospitalisation or major treatment.
Parental / senior-citizen
Pre-existing options
Cover for parents and in-laws, including pre-existing options.
It extends cover to parents and in-laws, the dependents a standard GTI most often leaves out. Pre-existing conditions can be brought in with defined waiting periods so the people employees worry about most are protected too.
- Covers parents and in-laws.
- Pre-existing options with waiting periods.
- Often employer-funded for senior bands.
Trigger · Dependents with health needs.
Critical illness / cancer
Lump-sum on diagnosis
A lump-sum payout on diagnosis of listed conditions.
It pays a lump sum the moment a listed condition is diagnosed, money the employee can use for treatment, travel, or simply to stop working while they recover, with no bills to itemise and no link to a hospitalisation claim.
- Lump-sum on diagnosis.
- Covers cancer, cardiac, and other listed conditions.
- Independent of hospitalisation claims.
Trigger · One-time payout, no survival period beyond policy terms.
Maternity & IVF add-ons
Pre / post-natal + IVF
Pre and post-natal care plus IVF costs.
It covers the planned-family journey end to end, pre-natal check-ups, delivery, post-natal care, and IVF cycles, the costs a base GTI usually caps tightly or excludes altogether.
- Pre and post-natal care.
- IVF and fertility cycles.
- Newborn cover from day one.
Trigger · Planning a family.
OPD cover
Beyond GTI scope
Doctor visits, diagnostics, and medicines beyond the GTI scope.
It funds the everyday health spends that never reach a hospital, doctor consultations, diagnostics, and pharmacy, billed straight to the Empuls wallet so there is no reimbursement chase.
- Doctor visits and tele-consults.
- Diagnostics and pharmacy.
- Wallet-billed, no reimbursement chase.
Trigger · Day-to-day health spends.
GPA (Group Personal Accident)
24×7 · worldwide
24×7 accident cover, worldwide.
Round-the-clock personal-accident cover that follows the employee anywhere in the world, on the commute, on the road, or on a field assignment, with payouts for accidental death and disability.
- 24×7, worldwide.
- Accidental death and disability.
- Built for travel and field teams.
Trigger · High-travel and field teams.
Small Ticket Insurance
Cover for the small, everyday risks, tap to activate
Small Ticket Insurance covers everyday, event-based risks, commute, device, pet, travel. Tap to activate, wallet-billed. Employees love them because they solve real moments of stress without a big upfront commitment.
Tap to activateWallet-billed
From ₹20 / trip
Daily commute cover
Road-accident cover for the daily commute.
From ₹49 / month
Mobile & laptop protection
Drop, damage, and theft, short-duration covers.
From ₹99 / month
Pet insurance
Vet visits, surgeries, and medication.
From ₹149 / trip
Travel / trip cover
Trip cancellation, lost luggage, overseas medical.
How it plugs in
Plug in, enroll, claim, and renew smarter every cycle
Broker and insurer APIs, or manual onboarding, with HRMS sync. Paperless throughout, and every renewal gets a sharper wellness brief.
01
Plug in
Broker and insurer APIs, or manual onboarding, with HRMS sync.
02
Enroll & educate
Guided enrolment, with every benefit explained in plain English.
03
Claim & reimburse
Paperless claim upload, HITL validation, and wallet-funded top-ups.
04
Renew smarter
A wellness brief goes to the broker, so the next cycle costs less.
FAQs
Frequently asked questions
No. Empuls sits alongside your broker and insurer, we hand them sharper data (wellness, claim trends, cohort risk) so they can negotiate better renewals. You stay in control of the relationship, the policy structure, and the broker selection.