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Navigating the complex landscape of group health insurance can be a daunting task for any organization. The right broker can make all the difference, offering tailored solutions that meet the specific needs of your business and its employees. In this blog, we will explore the top 7 group health insurance brokers in India, to help you make an informed decision.

Who is an Insurance Broker?

Understanding the Role of an Insurance Broker

In the world of insurance, brokers play a pivotal role. But who exactly is an insurance broker? Let's demystify this key player in the insurance industry.

Insurance Broker: The Link Between You and Insurers

An insurance broker is a professional advisor. They are independent agents. Their role? To act as intermediaries between clients and insurance companies. They are not tied to any one insurer. This independence is crucial. It allows them to offer unbiased advice.

What Do They Do?

Brokers assess your insurance needs. They then shop around. Their goal? To find the best policy for you. They consider coverage options, prices, and terms. This process is about finding a perfect match for your specific needs.

Expert Guidance and Personalized Service

Brokers offer personalized service. They understand that every client is unique. Therefore, they provide tailored advice. They help you understand complex insurance terms. They simplify the process. This guidance is invaluable, especially in making informed decisions.

Advocacy During Claims

Brokers also assist during claims. They advocate on your behalf. If you face issues with a claim, they step in. They work to resolve disputes. This support can be a huge relief during stressful times.


Why Use an Insurance Broker?

Using a broker has several benefits:

  • Expertise: They have extensive knowledge of the insurance market.
  • Time-Saving: They do the legwork in finding and comparing policies.
  • Peace of Mind: They provide reassurance that you're well-covered.
  • Support: They offer ongoing assistance, even after you've purchased a policy.

An insurance broker is more than just a middleman. They are trusted advisors. They guide you through the complex world of insurance. They ensure that you're adequately protected, according to your individual needs.


Plum Insurance is a tech-driven insurance platform founded in 2018, primarily focused on providing group health insurance solutions for startups and small-to-medium-sized enterprises (SMEs). The company aims to simplify the often complex world of insurance by offering customizable plans tailored to the specific needs of each organization.

One of the standout features of Plum is its user-friendly online dashboard, which allows for easy management of policies. Employers can add or remove employees, make claims, and access policy documents all in one place.

In addition to group health insurance, Plum also offers other types of group insurance products such as Group Term Life Insurance and Group Personal Accident Insurance. Their health insurance plans often come with added benefits like telehealth services, providing an extra layer of convenience and care for employees.

Plum has raised $15.6 million in funding, indicating strong investor confidence in their business model and growth prospects.

By leveraging technology and focusing on customer-centric solutions, Plum has positioned itself as a modern and efficient choice for businesses looking to secure comprehensive and flexible insurance coverage for their teams.


Prudent Insurance

Founded in 2005 and overseen by the IRDAI, Prudent Insurance boasts its central office in Mumbai. 

With a presence in over 120 nations, they have an impressive team of more than 800 professionals addressing the insurance requirements of over 3500 clientele.

Catering to corporate clients as well as affluent individuals and their families, the firm specializes in offering life insurance, general insurance, and personal health insurance. 

Their main clientele includes small business proprietors, both international and domestic multinational corporations, public sector entities, and prominent Indian corporate houses.

Anviti Insurance

Having been established in 2016 as Anviti Insurance Brokers Pvt Ltd, they underwent a rebranding to Aon on 27 July 2021. Rooted in Bengaluru, they present a myriad of services from health coverage, retirement to risk resolutions.

Anviti stands out for its comprehensive portfolio, spanning health, home, vehicle, travel, and even pet insurance. Their diverse offerings incorporate employer health benefits, marine coverage, energy insurance, financial lines, casualty insurance, property and business interruption coverage, and affinity insurance, to name a few.

Marsh India

Launched in 2003, Marsh India Insurance Brokers & Reinsurance Company Limited (MIBRC) is a premier name in the insurance broking and risk management sector. With a global footprint covering over 130 nations, they operate in India from nearly 12 points, employing over 400 specialists.

Their main hub is in Mumbai, but they also have a widespread presence throughout India. Their vast spectrum of offerings encapsulates diverse insurance and reinsurance products, with a notable emphasis on reinsurance and retrocession strategies.

Marsh provides tailored solutions, which include crafting insurance programs, handling insurance claims, offering property risk consultations, supply chain and logistics risk management, and expansive global analytics. Their client base varies from multinational giants to budding medium-scale ventures.

Howden Insurance Brokers India Pvt Ltd

Representing the renowned Howden Broking Group, Howden in India is affiliated with the UK's Hyperion Insurance Group. Operating in over 40 nations, they command a robust workforce exceeding 6500 members.

Howden delivers a plethora of personal and commercial insurance amenities across India, including health, vehicle, property, and travel insurance, among others. Based in Mumbai, their corporate reach extends to major cities throughout the nation, providing reinsurance solutions, corporate risk, and insurance services.

Manipal Cigna

Manipal Cigna is a specialized health insurance company founded in 2014, focusing solely on providing a range of health insurance plans. The company is a joint venture between Manipal Group, a leader in healthcare delivery and higher education in India, and Cigna Corporation, a global health services company. Manipal Cigna offers various health insurance plans that are tailored to meet the diverse needs of individuals, families, and organizations.

One of the unique aspects of Manipal Cigna is its emphasis on wellness programs, aimed at promoting a healthy lifestyle among its policyholders. The company also offers global coverage options, making it a suitable choice for organizations with international operations or employees who travel frequently. Their focus on health and well-being sets them apart as a provider committed not just to treatment but also to preventative care.

Secure Now

Founded in 2011, Secure Now is a tech-savvy insurance broker offering a wide array of insurance products, including health, liability, and property insurance. The company aims to simplify the insurance buying process by providing instant quotes and the option for online purchases, making it a convenient choice for businesses and individuals alike.

Secure Now offers a comprehensive range of products, making it a one-stop-shop for all insurance needs. Their platform allows for easy comparison of different insurance products, helping customers make informed decisions. The company also provides robust customer support, assisting clients in navigating the complexities of insurance policies and claims.

How Insurance Broking Works

Insurance broking might seem complex, but it's quite straightforward. Let's unravel how insurance broking works, step by step.

1. Understanding Your Needs

It all starts with you. The broker first understands your insurance needs. This could be for health, property, life, or business insurance. They ask questions. They listen. This step is crucial. It helps them tailor their search to your specific requirements.

2. Market Research

Next, the broker dives into research. They explore various insurance options. They're not tied to one insurer. This independence is key. It allows them to objectively compare different policies. They look for the best coverage at the most reasonable price.

3. Presenting Options

After thorough research, the broker presents you with options. They explain the pros and cons of each policy. This information is vital. It helps you make an informed decision. They ensure you understand the terms, conditions, and costs involved.

4. Facilitating the Purchase

Once you've made your choice, the broker facilitates the purchase. They help with paperwork and negotiations. They act as your representative. This step is about making the process smooth and hassle-free for you.

5. Ongoing Support and Advice

A broker's job doesn't end with the purchase. They provide ongoing support. They're there to answer questions, update policies, and assist with claims. This continuous support is a major advantage of using a broker.

6. Advocacy During Claims

If you need to make a claim, the broker is your advocate. They guide you through the process. They liaise with the insurer on your behalf. Their expertise can be invaluable in ensuring a fair and prompt settlement.


How To Choose The Best Group Health Insurance Broker?

Choosing the right group health insurance broker can be a game-changer when it comes to securing optimal coverage for both you and your employees. A skilled broker can demystify the intricacies of various plans, help you understand associated costs, and point out any policy limitations.

Additionally, brokers specializing in small business health insurance offer the advantage of consolidating analytical comparisons, competitive market rates, and expert advice all in one place.

To identify the most suitable broker, you should:

  1. Assess your organization's specific insurance needs
  2. Evaluate various brokers and the range of benefits they offer
  3. Align your requirements with the services provided by the broker
  4. Bargain for the most favorable pricing
  5. Put the chosen group health insurance policy into action
  6. Continuously monitor and adjust the plan for optimal outcomes


Selecting a group health insurance broker is a critical decision that can significantly impact your organization's financial health and employee satisfaction. Whether you're a startup looking for flexible plans or a large enterprise seeking comprehensive coverage, the brokers listed above offer a range of options to suit various needs. By considering factors like expertise, reputation, and additional services, you can choose a broker that aligns with your organization's specific requirements.


Q. How do the fees and commission structures of these brokers compare?

Brokers' fees and commissions vary widely, reflecting their services' depth and breadth. Generally, they might charge a flat fee, a percentage of the premium, or a combination. This structure depends on the broker's business model and the value they add through their services. Companies should inquire directly for precise details.

Q. What specific customization options do these brokers offer for group health insurance plans?

Customization options usually include choice of coverage limits, deductible levels, and wellness benefits, among others. Brokers work with businesses to tailor plans that fit their specific needs, considering factors like company size, industry risks, and employee demographics. Direct consultation provides clarity on available customizations.

Q. How do these brokers handle claims and customer support?

Efficient claims handling and robust customer support are key differentiators for brokers. They typically offer dedicated support for claims processing, dispute resolution, and policy adjustments. The effectiveness of these services can significantly impact the policyholder's experience, especially during claims, which are often stressful times.