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UPDATED JUL 7, 2026💡 What to expect for employee benefits when you hire in India through Toku. Indian employees receive fully employer-sponsored group medical and personal accident insurance covering the employee and their family - with a strict 30-day enrollment window for new hires.
At a Glance
| Item | Detail |
|---|---|
| Group medical insurance | ICICI Lombard, administered via the Plum app |
| Sum insured (medical) | ₹7,00,000 |
| Personal accident insurance | ₹50,00,000 sum insured per employee |
| Cost | 100% employer-sponsored for employee AND eligible family |
| Payroll deductions | None - no tax or deductions for medical benefits |
| Enrollment window | Within 30 days of date of hire - no exceptions |
| Pre-existing conditions | Covered from day one |
Group Medical Insurance
Coverage through ICICI Lombard, serviced via the Plum app:
| Benefit | Detail |
|---|---|
| Sum insured | ₹7,00,000 |
| Pre-existing diseases | Covered from day 1, no waiting period |
| Hospitalization | Pre-hospitalization 60 days; post-hospitalization 90 days |
| Maternity | Up to ₹1,00,000 (first two children, normal & C-section); Well Baby up to sum insured |
| Ambulance | Up to ₹2,000 per claim |
| Modern treatments | LASIK (±6.5D); CyberKnife, stem cell up to 50% of sum insured |
Dependent coverage is generous: spouse/partner, up to 4 children, parents, and parents-in-law can all be covered (subject to policy terms), fully employer-sponsored.
Group Personal Accident Insurance
Sum insured ₹50,00,000 per employee: accidental death or permanent total disability up to 100%; permanent partial disability up to 75%; temporary total disability ₹10,000/week up to 2 years; accidental hospitalization up to ₹2,00,000; children's education benefit ₹10,000 per child (max 2).
Costs & Who Pays
Both policies are 100% employer-sponsored (billed to the client) for the employee and eligible family members. There are no payroll deductions and no benefit-in-kind tax for medical benefits in India.
Enrollment - the 30-Day Rule
Employees receive an email from [email protected] before their effective date to opt in/out and add dependents. Employees must be added within 30 days of their date of hire - no exceptions after the window closes. Dependents must be added at initial enrollment; mid-policy additions are only possible for qualifying life events (newborns within 30 days of birth, new spouse within 30 days of marriage). Make sure your new hires complete this promptly.
Claims
Employees manage everything through the Plum app: digital health card, network hospital search, cashless claims (approval typically within 2 hours), and reimbursement claims processed in 7 - 10 working days, with a 24/7 cashless emergency hotline.
Last verified July 2026. This guide is for general information and doesn't constitute legal or tax advice. Questions? Contact [email protected].