Seamless Online MSME & Udyam Registration
In India, an MSME Udyam registration is key to unlocking government benefits. We simplify the entire online process, making it fast and hassle-free, so you can focus on growing your business.
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MSME Dashboard
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Benefits Of MSME Employee Insurance
Employee insurance for MSMEs, including group health insurance, ESI coverage, and related schemes, acts as a vital safety net.
Ensures Employee Well-being & Health Protection
Provides comprehensive medical care, hospitalization, and treatment for employees and their families (including ESI benefits like sickness, maternity, and disablement coverage), promoting better health and reducing out-of-pocket expenses.
Attracts & Retains Talent
Offering insurance benefits makes MSMEs more competitive in hiring, boosts employee loyalty and morale, reduces turnover, and creates a sense of security and care in the workforce.
Reduces Absenteeism & Boosts Productivity
Healthy employees take fewer sick leaves, leading to lower absenteeism, higher productivity, and cost savings for the business through timely medical access and preventive care.
Our Simple 7-Step Process
Step-by-Step Process to Acquire Your MSME Employee Insurance
Get Started
Click on the "Apply Now" or "Get Started" button below to begin.
Proceed
Hit "Proceed" on the MSME Employee Insurance application form.
Confirm Payment
Complete secure payment; you will then be redirected to the document upload page.
Upload Required Documents
Fill the form and upload all necessary documents (Aadhaar, PAN, employee list, etc.).
Expert Assigned
Your case is automatically assigned to our dedicated Employee Insurance expert.
Expert Coordination
Our expert will contact you for any additional information or documents required.
Receive Your Policy
Post verification, MSME Registration certificate will be issued to you within 24 hours and shared with you via WhatsApp/E-mail
Frequently Asked Questions
Find answers to common questions about MSME Employee Insurance in India.
What is MSME Employee Insurance?
+MSME Employee Insurance refers to group health insurance, ESI (Employees' State Insurance) coverage, or other employee welfare schemes tailored for Micro, Small, and Medium Enterprises. It provides medical, hospitalization, maternity, sickness, and disability benefits to employees and often their families, helping MSMEs comply with labor laws and support workforce well-being.
Is ESI mandatory for MSMEs?
+Yes, ESI is mandatory for establishments (including MSMEs) employing 10 or more persons (in most states) where wages are up to ₹21,000 per month. Once applicable, both employer and employee contribute, and it covers sickness, maternity, disablement, and dependent benefits. Smaller MSMEs below the threshold can opt for private group insurance instead.
What is the cost of MSME Employee Insurance?
+There is no fixed government fee for private group health insurance. Premiums depend on the number of employees, their age, sum insured, coverage type, and insurer. ESI contributions are statutory (employer ~3.25%, employee ~0.75% of wages). Professional service fees may apply if you engage consultants for policy selection and enrollment.
Who is eligible for ESI or group employee insurance under MSME?
+For ESI: Employees earning up to ₹21,000/month in covered establishments. For private group insurance: Typically all permanent, contractual, and sometimes family members, with no strict wage cap. Coverage is available to any MSME regardless of size, though smaller firms may choose voluntary group plans for better customization and benefits.
Is group health insurance compulsory for MSMEs?
+No, private group health insurance is not compulsory under law (unlike ESI for eligible firms). However, many MSMEs opt for it voluntarily to attract talent, reduce absenteeism, comply with best practices, and offer better benefits than statutory minimums. It is especially popular among firms not covered under ESI or wanting enhanced coverage.
How does MSME Employee Insurance differ from regular health insurance?
+Group employee insurance is employer-sponsored, covers multiple employees under one policy, often at lower premiums per person due to bulk pricing, and may include additional benefits like maternity, critical illness, or OPD. It is designed for workforce welfare, tax advantages for the company, and better claim settlement ratios compared to individual policies.
Real Client Stories
We've helped numerous MSMEs secure comprehensive employee insurance coverage, including group health plans and ESI compliance, to protect their workforce and boost satisfaction.
The employee insurance process was completed very smoothly. The team explained all benefits clearly and handled the application without any delays. Very helpful service for our small team.
Pankaj Tiwari
Rewa, Madhya PradeshI had no prior knowledge about group health insurance for MSMEs, but they guided me properly and completed everything on time. The process was simple, stress-free, and our employees are now well-protected.
Neha Kulkarni
Kolhapur, MaharashtraProfessional and quick service. They checked all details carefully and ensured our employee insurance setup was done correctly with great coverage options. Highly satisfied with the outcome.
Imran Siddiqui
Moradabad, Uttar PradeshThe team was very supportive and explained the entire employee insurance process in easy language. My policy was completed without any follow-ups. Great experience and reliable support.
