Only about 1 in 4 Indian companies offers an OPD wallet today, according to ekincare's India Inc. Health Benefits Benchmark 2026, but more HR teams are adding outpatient cover each year. The provider market has grown with them. Some providers are built around the group insurance policy, some run a separate OPD wallet alongside it, and some focus on small businesses or on telehealth. This guide compares eight of the most established cashless OPD providers for Indian employers, using the same criteria for each, so you can shortlist the ones that fit your workforce.

Quick answer

The leading cashless OPD providers for Indian employers in 2026 include ekincare, HealthAssure, Loop Health, MediBuddy, Onsurity, Plum, Practo and Visit Health. The right choice depends on where your employees live, whether you want OPD inside or alongside group insurance, and your company's size. Compare network coverage, cashless access, wallet scope and HR reporting.

How we evaluated providers

Each provider is described against the same five criteria. Figures are the providers' own published numbers or reputable press reports, with sources listed at the end; providers count their networks differently (doctors, centres or providers), so compare definitions before comparing numbers.

  • Network reach: how many doctors, clinics, labs and pharmacies employees can use, and across how many cities
  • Cashless access: whether employees pay nothing at the point of care, or pay first and claim
  • OPD depth: what the benefit covers: consultations, diagnostics, medicines, dental, vision, mental health
  • Integration: whether check-ups, OPD, insurance and other benefits sit on one platform
  • Reporting: what HR can see about usage and outcomes

1. ekincare

ekincare publishes this guide. We have described ourselves against the same criteria as every other provider.

  • What it is: a corporate health benefits platform that runs annual health check-ups, cashless OPD, consultations, diagnostics, pharmacy and mental health on one platform.
  • Network reach: 90,000+ healthcare providers across 500+ cities, serving 1,000+ corporates and 2 million+ lives (company figures).
  • Cashless access: a cashless OPD wallet used at network providers, with reimbursement for care outside the network.
  • Integration: check-ups and OPD sit in the same benefit, so an employee with an abnormal check-up result can book a cashless follow-up consultation and tests from the same wallet.
  • Reporting: anonymised HR reporting on usage and follow-up, and published research on India Inc.'s health benefits and workforce health.
  • Best for: mid-size and large employers that want check-ups, OPD and mental health on one platform, with coverage across metros and smaller cities.

2. HealthAssure

  • What it is: a primary care aggregator, founded in 2011 and based in Mumbai, that provides corporate health benefits and OPD products linked to insurance.
  • Network reach: a network of primary care centres, including clinics, diagnostics, dental and eye care, across more than 1,100 cities (company figures reported in press).
  • Cashless access: cashless access at network centres for covered employees.
  • Integration: works with both employers and insurers, including insurance-underwritten OPD products.
  • Best for: employers whose employees are spread across many smaller cities, and those looking for OPD linked to an insurance product.

3. Loop Health

  • What it is: an integrated employee health benefits platform that combines group health insurance from established insurers with its own primary care team.
  • Network reach: employees consult Loop's in-house doctors by chat, phone and video; the company reports covering more than 1 million lives.
  • Cashless access: primary care consultations with Loop's doctors are included in the plan; hospitalisation is cashless through the insurer's network.
  • OPD depth: unlimited primary care consultations, plus health check-ups, chronic care programmes and mental health counselling.
  • Best for: companies buying group insurance that want a dedicated doctor team bundled into the same plan.

4. MediBuddy

  • What it is: a digital health platform serving corporate employees with OPD benefits, cashless healthcare, diagnostics, medicines, surgery support and mental health.
  • Network reach: 1,40,000+ doctors across 22 specialties, serving 1,200+ corporates and 45 lakh corporate employees (company figures, 2026).
  • Cashless access: cashless OPD, reimbursement and a configurable wallet, with integrations with multiple TPAs and insurers.
  • OPD depth: consultations, diagnostics, medicines, dental and vision through its wallet, plus surgery concierge.
  • Best for: large enterprises that want a broad doctor network and OPD connected to their existing TPA and insurer set-up.

5. Onsurity

  • What it is: a monthly employee healthcare membership for small and growing businesses, combining group health insurance with everyday care.
  • Network reach: teleconsultations, doctor OPD, and discounted medicines and lab tests through the Onsurity app.
  • Cashless access: OPD and wellness benefits are bundled into the membership rather than sold as a separate rider.
  • OPD depth: teleconsultations, OPD consultations, medicines and lab tests, mental wellness support and health check-ups; family members, including parents, can be added.
  • Best for: SMEs and startups, including teams as small as three people, that want monthly billing instead of an annual premium.

6. Plum

  • What it is: an employee health insurance and benefits platform, founded in 2019 and based in Bengaluru.
  • Network reach: group health insurance with cashless claims at insurers' hospital networks, plus telehealth.
  • OPD depth: primary care, teleconsultations, mental wellness, health check-ups and flexible benefits alongside the insurance policy.
  • Integration: insurance, benefits administration and the employee app in one platform.
  • Best for: startups and growing companies that want insurance-first benefits with simple digital administration.

7. Practo

  • What it is: a healthcare platform known for doctor discovery and booking, with a corporate health benefits programme.
  • Cashless access: Practo Plus Health Credits adds a fixed amount to employees' accounts for cashless OPD care.
  • OPD depth: in-clinic and online consultations, diagnostics, medicine delivery and secondary care assistance, delivered in collaboration with insurers.
  • Best for: employers whose employees already use Practo to find and book doctors, and who want a credit-based OPD benefit.

8. Visit Health

  • What it is: a health-tech platform, founded in 2015, offering customisable OPD plans and employee assistance programmes to corporates and insurers.
  • Network reach: a cashless network of 35,000+ doctors, with diagnostics and medicine delivery (company figures); the company reported serving 400+ corporates, 4,500 SMEs and 15 insurers in 2024.
  • OPD depth: doctor consultations, diagnostics, medicine delivery, mental health and nutrition.
  • Best for: employers that want OPD and an EAP from one telehealth-led platform, including through insurer partnerships.

Which provider fits which company

  • Small teams and startups paying monthly: Onsurity, Plum
  • Companies that want insurance and a doctor team in one plan: Loop Health, Plum
  • Large enterprises with existing TPA and insurer set-ups: MediBuddy, ekincare
  • Employers that want check-ups and OPD in one benefit, with follow-up after abnormal results: ekincare
  • Workforces spread across many smaller cities: HealthAssure, ekincare
  • Credit-based OPD for employees who already book doctors online: Practo
  • OPD bundled with an employee assistance programme: Visit Health, ekincare

Whatever your shortlist, ask each provider the same questions: how many providers they have where your employees live, how cashless works at the clinic, what the wallet covers, how fast reimbursements are settled, and what HR reporting you will get.

Frequently asked questions

Which are the top cashless OPD providers in India? Leading providers for employers in 2026 include ekincare, HealthAssure, Loop Health, MediBuddy, Onsurity, Plum, Practo and Visit Health. They differ in network reach, whether OPD sits inside or alongside insurance, and the company sizes they serve.

What does a cashless OPD provider do? It lets employees use an employer-funded outpatient benefit at network doctors, labs and pharmacies without paying upfront. The cost is settled from the employee's OPD wallet or plan.

How do I compare cashless OPD providers? Compare network coverage near your employees, how cashless works at the point of care, what the benefit covers, reimbursement speed, family cover, follow-up after check-ups, HR reporting, data protection and pricing.

Is OPD part of group health insurance? Group health insurance mainly covers hospitalisation. Insurers can add OPD as a rider, and many companies instead use a separate OPD wallet from a health benefits provider alongside the policy.

How much OPD cover do companies give employees? Among companies that offer OPD, the typical wallet is ₹8,000 to ₹15,000 per employee per year, with a median of ₹10,000, according to ekincare's 2026 benefits benchmark.

Disclosure and sources

This guide is published by ekincare, one of the providers listed. Provider descriptions are based on each company's own published information and press reports, checked in October 2026. Providers update their offerings often; confirm current details directly with each provider before you decide.

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Jehi Jha
23 Oct 2026 7 min read
Marketing Manager