HR Insurance Management

Your HR team has better things to do than chase insurance paperwork.

RiskPe manages employee benefits insurance for HR teams across India. Group health, endorsements, employee queries, and claims, run by a team that is not paid more when your premium goes up.

Talk to Our Corporate Team

No premium based commission

Dedicated HR helpdesk

Claims handled end to end

Plans for every team size

A flat annual fee, set by headcount. Nothing is tied to the size of your premium.

HR insurance management plans compared: Starter, Growth and Enterprise
	Starter Up to 50 employees ₹24,999 per year	Growth 51 to 400 employees ₹49,999 per year	Enterprise 401+ employees ₹150 per employee per year
Group health insurance management	Included	Included	Included
Endorsements	Included	Included	Included
Renewal negotiation with insurer	Included	Included	Included
Employee query support via email	Included	Included	Included
Basic claims facilitation	Included	Included	Included
Dedicated HR insurance helpdesk	Not included	Included	Included
Claims tracking and escalation	Not included	Included	Included
Cashless claim facilitation	Not included	Included	Included
Monthly MIS reports	Not included	Included	Included
New joiner insurance onboarding	Not included	Included	Included
On site advisor visits (quarterly)	Not included	Included	Included
Custom policy wording negotiation	Not included	Not included	Included
D&O and key person advisory	Not included	Not included	Included
SLA backed response times	Not included	Not included	Included
	Book a Call	Book a Call	Book a Call

What HR teams are actually dealing with

Managing group health insurance is rarely anyone's full time job, yet it consumes real time and creates real risk when handled without dedicated expertise.

Endorsements for new joiners and exits pile up, with employees uncovered during the gap
Employees reach out to HR directly with claim issues that HR has no insurance training to resolve
Renewal negotiations happen once a year with limited leverage or market knowledge
Cashless claim rejections at hospitals become an HR fire to put out, not a structured process
No one in the company is actually tracking whether the current premium reflects fair market terms

What we take off your plate

Endorsement Management

Additions, deletions, and changes processed promptly, so coverage gaps for new joiners or exits do not happen.

Employee Query Handling

A dedicated point of contact for employees, so HR is not the first line of insurance support.

Claims Tracking and Escalation

We track claims to resolution and escalate stuck cashless approvals directly with the TPA and hospital.

Renewal Negotiation

We bring market knowledge and insurer relationships to negotiate renewal terms, not just accept the first quote.

New Joiner Onboarding

Insurance briefing and enrollment built into your onboarding process, handled by us.

Monthly Reporting

Clear MIS reports on claims, utilization, and policy status, so HR always has visibility without chasing it.

Why this often costs you less, not more

Most corporate insurance brokers earn a commission as a percentage of your premium. That means the broker earns more when your premium is higher, a structural incentive that does not naturally push toward aggressive negotiation on your behalf.

RiskPe charges a flat advisory fee instead. We have no incentive tied to your premium size, only to getting your HR team the best actual terms. Over a multi year relationship, this incentive difference alone can outweigh the advisory fee many times over.

Built for growing teams

Startups Scaling Headcount

Adding employees quickly and need endorsements processed without delay or manual back and forth.

Mid Sized Companies

Already have group health in place but no dedicated person managing it, leaving gaps in service.

HR Leaders Tired of Firefighting

Want insurance to be a managed function, not a recurring source of employee complaints.

Common questions about employee benefits management

How quickly are endorsements processed?

We process additions and deletions promptly once we receive employee details, minimizing the gap in coverage for new joiners or exits.

Do you only work with large companies?

No. The Starter plan covers teams of up to 50 employees, Growth covers 51 to 400, and Enterprise is priced per employee for teams of 401 and above.

Will this replace our existing insurer relationship?

No, we work alongside your existing insurer relationship or help establish a new one, managing the operational and negotiation side on your behalf.

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