30+ Years Experience 4.9★ Google Reviews LIC & General Insurance Sholavaram, Chennai Claims & Renewals Support

M N Rajendrakumar Insurance Services

Car • Lorry • Fleet • Factory • Health

You want to provide health insurance to your employees but you're a small company — 7-50 people, tight budget. Group health doesn't have to be expensive. Here's how small companies get quality coverage at ₹2,500-6,000 per employee per year.

WhatsApp for Guidance Call 7448324068
SholavaramRed Hills TollMadhavaramManaliAmbatturChennai Outskirts
All Year — Budget Friendly

Affordable employee health insurance for small companies — starting ₹2,500/employee/year

You want to provide health insurance to your employees but you're a small company — 7-50 people, tight budget. Group health doesn't have to be expensive. Here's how small companies get quality coverage at ₹2,500-6,000 per employee per year.

WhatsApp — free guidance Call 7448324068

30 yrs experience · Licensed · No commitment · Sholavaram

Why you need to act now

  • Employee health insurance is the #1 benefit employees value — more than bonuses, gym memberships, or free lunch.
  • Group health insurance is 30-40% cheaper than individual plans — even small companies get volume pricing.
  • Section 80D tax benefit on employer-paid premiums reduces effective cost further.
  • GST input credit available on group health premium — additional cost recovery.

Who this helps

  • Startup founders with 7-20 employees who want to offer health coverage for the first time.
  • Small trading/manufacturing/service companies with 10-50 employees on a tight budget.
  • Company owners who lost employees to competitors offering health insurance.
  • SME HR managers tasked with finding the cheapest-yet-adequate group health plan.

Your action checklist

  • 1

    Determine employee count and ages

    List employees with date of birth. Average age is the biggest premium driver. A company with average age 26 pays much less than average age 40.

  • 2

    Choose coverage structure

    Employee only (cheapest) → Employee + spouse → Employee + family (most expensive). Start with employee-only if budget is tight.

  • 3

    Set a sum insured

    ₹2-3 lakh for basic. ₹5 lakh for good coverage. ₹10 lakh for premium. Balance between adequacy and budget.

  • 4

    Decide employer vs. employee cost split

    Some companies pay 100%. Others do 50-50 or pay for employee and let employee pay for dependents. All structures work.

What you get from us

  • Budget-optimized plan comparison — we specifically look for the best VALUE plans, not just the cheapest premium.
  • Small company focus — we don't treat 10-employee companies as less important than 500-employee ones.
  • Flexible structures — employee-only, employee+spouse, full family — customized to your budget.
  • Cashless hospital check — we ensure the selected insurer has good hospitals near your office and employees' areas.
  • Year-round support — additions, deletions, claim help, not just at purchase time.

How we support you

  • Step 1 — Share employee list

    Employee names and dates of birth. We calculate quotes for different coverage levels.

  • Step 2 — Budget comparison

    We present 3-4 options at different budget levels — you choose what fits.

  • Step 3 — Quick implementation

    Policy issued in 3-5 days. Employee e-cards in a week. Cashless from day one.

Quick document review

What should you do right now?

In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.

WhatsApp your policy copy

PDF or photos are fine.

Share location + policy type

So we apply the right rules.

Get a straight answer

  • Whether renewal is safe
  • If documents are missing or weak
  • If insurer inspection or extra steps apply
Document-based guidance
Privacy-first: no unnecessary storage
Clear next steps, no pressure

Common questions before you contact us

📍

I'm 20–30km from Sholavaram — will you serve me?

Yes. Most commercial and vehicle policies can be handled fully via WhatsApp and phone — no visit needed. For site inspections or physical surveys (required by some insurers), we coordinate based on location and policy type. We cover the full 30km belt: Red Hills, Puzhal, Ponneri, Madhavaram, Ambattur, Sriperumbudur, Oragadam corridors and more.

🗣️

Do you speak Tamil? What about Malayalam or English?

Tamil is our primary working language. We also communicate in English and Malayalam. You can WhatsApp in any of these — we'll respond in the language you're comfortable with.

🏭

Do you handle import/export and manufacturing businesses?

Yes. We cover Marine Cargo (goods in transit, import/export shipments), factory and warehouse fire insurance, machinery insurance (CPM), contractor all-risk, and public liability — all common for manufacturing and trading units in the industrial belts around Chennai.

🚛

I have lorries / fleet — do you handle commercial vehicles?

Transport and fleet insurance is one of our core focuses. Single lorry owner, 20-vehicle fleet, goods carriers, trailers — we handle all. We also help with permit and fitness document discipline to avoid claim issues.

🏥

Do you also handle personal insurance — car, bike, health?

Yes. Car, bike, health/mediclaim and LIC policies are handled alongside commercial lines. Many of our clients take personal and commercial policies together.

🏗️

I'm running a construction project — is that covered?

Yes. Contractors All Risk (CAR) and Workmen Compensation (WC) are standard for construction projects. We also cover hired plant/equipment and public liability for contractor sites.

🕒

My policy expired — can I still renew or am I stuck?

You can still renew after expiry, but act fast. The grace window and NCB retention depend on how long the lapse has been. WhatsApp your old policy copy and we'll check what's possible.

🤝

Will you be available after I buy the policy?

Yes. We stay reachable after sale — for claim guidance, renewal reminders, document checks and any questions that come up. We're not a one-time sale office.

Ready to reach out? Pre-fill your WhatsApp in 30 seconds

Pick your situation — we build the message, you just send.

Optional — pick to customise your message

1. What type of insurance?

2. What do you need?

3. How urgent?

4. Any questions to include?

👉 You can send directly — no questions needed

Send on WhatsApp 📞 Prefer to call? 7448324068

📎 Attach documents directly in WhatsApp after opening.

Free guidance · No sales pressure · No commitments

Real situations we handle

People reach us with exactly these kinds of situations.

1

Importing a crane — needed CPM + transit insurance before unloading

The situation

A contractor importing a crane from another state needed Contractors Plant & Machinery (CPM) insurance plus transit coverage. The crane was arriving by trailer and he needed proof of insurance before the transport company would release it.

How we helped

We arranged CPM insurance with the correct sum insured based on invoice value, added transit cover for the movement, and got the certificate issued before the delivery date. Documents were shared on WhatsApp for quick verification at the unloading point.

I have a similar situation →
2

Fleet of 12 lorries — one had an accident on NH, needed claim filed fast

The situation

A fleet owner with 12 lorries had one vehicle involved in a road accident on the NH belt near Red Hills. The driver was injured, third-party damage was significant, and the police complaint had to be registered. He didn't know what to do first.

How we helped

We guided the immediate steps: FIR copy, hospital records, spot photos, and insurer intimation within 24 hours. We prepared the claim documents in the right order so the surveyor could process without back-and-forth. The claim was settled without unnecessary delays.

I have a similar situation →
3

Warehouse fire — stock proof was wrong, guided correct documentation

The situation

A warehouse owner near Manali industrial area had a fire incident. When the claim was filed, the insurer found that the stock declaration didn't match the actual stock. The sum insured was also lower than actual value. The claim was at risk of being reduced significantly.

How we helped

We helped reconstruct the stock proof trail (purchase invoices, delivery challans, stock register) and explained the shortfall to the owner. For the renewal, we corrected the sum insured and set up a proper stock declaration discipline so future claims would not face this issue.

I have a similar situation →

Recommended services

Group Health Insurance

Coverage, documents & guidance

Best Group Health for SME

Coverage, documents & guidance

Affordable Insurance Chennai

Coverage, documents & guidance

Health Insurance Guide

Coverage, documents & guidance

Still wondering?

?What if I've never bought this type of insurance before?

That's exactly when guidance matters most. We explain what the policy covers, what documents you need, and what common mistakes to avoid — before you commit to anything. You don't need to be an expert. That's our job.

?What happens when I send a WhatsApp message?

You'll get a reply (usually within a few hours during business hours). We'll ask a few questions about your situation — vehicle details, property type, etc. Then we'll explain your options honestly, including what's covered and what's not. No pressure to buy immediately.

?Will you try to sell me the most expensive policy?

No. We work with multiple insurers and recommend based on your actual need and risk. A lorry owner on NH needs different coverage than a car owner in the city. We explain the trade-offs and you decide.

?Do I need to visit your office or can everything be done online?

Most things can be done via WhatsApp and phone — document sharing, policy issuance, renewal checks. For some cases (vehicle inspection, complex claims), an office visit or on-site check may be needed. We'll tell you upfront.

Have a different question? Just ask — no commitment needed.

Ask on WhatsApp →

Why work with us

🏢

Real local office — not a call centre

Walk-in office in Sholavaram. You meet the same person who handles your policy and claim support.

📋

Documentation-first approach

We check your documents, sum insured and wording before you sign. This reduces avoidable claim rejections.

⏳

30+ years of field experience

Not just selling policies — we've guided claims, renewals and disputes across transport, industrial and personal lines.

🔍

We explain before you buy

No jargon-heavy pitches. We tell you what's covered, what's not, and what documents to keep ready.

Frequently asked questions

Questions people ask
What's the cheapest group health insurance for a small company? For a company with 10 employees (avg age 28), employee-only coverage at ₹2 lakh sum insured costs approximately ₹2,500-3,500 per employee per year. That's ₹25,000-35,000 total.
Can a 7-person company get group health? Yes. Several insurers offer group health for as few as 5-7 employees. Options are more limited than for 20+ employee companies, but good plans exist.
Is it better to give employees cash instead of health insurance? No. A medical emergency can cost ₹5-10 lakh. Cash allowance of ₹5,000/year won't help. Group health at ₹3,000/employee provides ₹2-5 lakh coverage — dramatically better value.
Can I add group health as a pre-employment benefit later? Yes. We help companies start with basic coverage and upgrade each year as the company grows and budget improves.

Quick document review

What should you do right now?

In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.

WhatsApp your policy copy

PDF or photos are fine.

Share location + policy type

So we apply the right rules.

Get a straight answer

  • Whether renewal is safe
  • If documents are missing or weak
  • If insurer inspection or extra steps apply
Document-based guidance
Privacy-first: no unnecessary storage
Clear next steps, no pressure

Quick Links

Need clarity before buying or renewing a policy?
Talk to us before you commit—especially for commercial, transport and industrial risks in Chennai outskirts.
WhatsApp Us Call for Guidance
M N Rajendrakumar • New India Assurance
Copyright 2026 © Sholavaram
30 Yrs Experience 4.9★ Google Sholavaram Free Guidance

M N Rajendrakumar Insurance Services

Car • Lorry • Fleet • Factory • Health

You want to provide health insurance to your employees but you're a small company — 7-50 people, tight budget. Group health doesn't have to be expensive. Here's how small companies get quality coverage at ₹2,500-6,000 per employee per year.

WhatsApp for Guidance Call 7448324068
All Year — Budget Friendly

Affordable employee health insurance for small companies — starting ₹2,500/employee/year

You want to provide health insurance to your employees but you're a small company — 7-50 people, tight budget. Group health doesn't have to be expensive. Here's how small companies get quality coverage at ₹2,500-6,000 per employee per year.

WhatsApp — free guidance Call 7448324068

30 yrs experience · Licensed · No commitment · Sholavaram

Why you need to act now

  • Employee health insurance is the #1 benefit employees value — more than bonuses, gym memberships, or free lunch.
  • Group health insurance is 30-40% cheaper than individual plans — even small companies get volume pricing.
  • Section 80D tax benefit on employer-paid premiums reduces effective cost further.
  • GST input credit available on group health premium — additional cost recovery.

Who this helps

  • Startup founders with 7-20 employees who want to offer health coverage for the first time.
  • Small trading/manufacturing/service companies with 10-50 employees on a tight budget.
  • Company owners who lost employees to competitors offering health insurance.
  • SME HR managers tasked with finding the cheapest-yet-adequate group health plan.

Your action checklist

  • 1

    Determine employee count and ages

    List employees with date of birth. Average age is the biggest premium driver. A company with average age 26 pays much less than average age 40.

  • 2

    Choose coverage structure

    Employee only (cheapest) → Employee + spouse → Employee + family (most expensive). Start with employee-only if budget is tight.

  • 3

    Set a sum insured

    ₹2-3 lakh for basic. ₹5 lakh for good coverage. ₹10 lakh for premium. Balance between adequacy and budget.

  • 4

    Decide employer vs. employee cost split

    Some companies pay 100%. Others do 50-50 or pay for employee and let employee pay for dependents. All structures work.

How we support you

  • Step 1 — Share employee list

    Employee names and dates of birth. We calculate quotes for different coverage levels.

  • Step 2 — Budget comparison

    We present 3-4 options at different budget levels — you choose what fits.

  • Step 3 — Quick implementation

    Policy issued in 3-5 days. Employee e-cards in a week. Cashless from day one.

Quick document review

What should you do right now?

In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.

WhatsApp your policy copy

PDF or photos are fine.

Share location + policy type

So we apply the right rules.

Get a straight answer

  • Whether renewal is safe
  • If documents are missing or weak
  • If insurer inspection or extra steps apply
Document-based guidance
Privacy-first: no unnecessary storage
Clear next steps, no pressure

Common questions before you contact us

📍

I'm 20–30km from Sholavaram — will you serve me?

Yes. Most commercial and vehicle policies can be handled fully via WhatsApp and phone — no visit needed. For site inspections or physical surveys (required by some insurers), we coordinate based on location and policy type. We cover the full 30km belt: Red Hills, Puzhal, Ponneri, Madhavaram, Ambattur, Sriperumbudur, Oragadam corridors and more.

🗣️

Do you speak Tamil? What about Malayalam or English?

Tamil is our primary working language. We also communicate in English and Malayalam. You can WhatsApp in any of these — we'll respond in the language you're comfortable with.

🏭

Do you handle import/export and manufacturing businesses?

Yes. We cover Marine Cargo (goods in transit, import/export shipments), factory and warehouse fire insurance, machinery insurance (CPM), contractor all-risk, and public liability — all common for manufacturing and trading units in the industrial belts around Chennai.

🚛

I have lorries / fleet — do you handle commercial vehicles?

Transport and fleet insurance is one of our core focuses. Single lorry owner, 20-vehicle fleet, goods carriers, trailers — we handle all. We also help with permit and fitness document discipline to avoid claim issues.

🏥

Do you also handle personal insurance — car, bike, health?

Yes. Car, bike, health/mediclaim and LIC policies are handled alongside commercial lines. Many of our clients take personal and commercial policies together.

🏗️

I'm running a construction project — is that covered?

Yes. Contractors All Risk (CAR) and Workmen Compensation (WC) are standard for construction projects. We also cover hired plant/equipment and public liability for contractor sites.

🕒

My policy expired — can I still renew or am I stuck?

You can still renew after expiry, but act fast. The grace window and NCB retention depend on how long the lapse has been. WhatsApp your old policy copy and we'll check what's possible.

🤝

Will you be available after I buy the policy?

Yes. We stay reachable after sale — for claim guidance, renewal reminders, document checks and any questions that come up. We're not a one-time sale office.

Ready to reach out? Pre-fill your WhatsApp in 30 seconds

Pick your situation — we build the message, you just send.

Optional — pick to customise your message

1. What type of insurance?

2. What do you need?

3. How urgent?

4. Any questions to include?

👉 You can send directly — no questions needed

Send on WhatsApp 📞 Prefer to call? 7448324068

📎 Attach documents directly in WhatsApp after opening.

Free guidance · No sales pressure · No commitments

Real situations we handle

1

Importing a crane — needed CPM + transit insurance before unloading

The situation

A contractor importing a crane from another state needed Contractors Plant & Machinery (CPM) insurance plus transit coverage. The crane was arriving by trailer and he needed proof of insurance before the transport company would release it.

How we helped

We arranged CPM insurance with the correct sum insured based on invoice value, added transit cover for the movement, and got the certificate issued before the delivery date. Documents were shared on WhatsApp for quick verification at the unloading point.

I have a similar situation →
2

Fleet of 12 lorries — one had an accident on NH, needed claim filed fast

The situation

A fleet owner with 12 lorries had one vehicle involved in a road accident on the NH belt near Red Hills. The driver was injured, third-party damage was significant, and the police complaint had to be registered. He didn't know what to do first.

How we helped

We guided the immediate steps: FIR copy, hospital records, spot photos, and insurer intimation within 24 hours. We prepared the claim documents in the right order so the surveyor could process without back-and-forth. The claim was settled without unnecessary delays.

I have a similar situation →

Still wondering?

?What if I've never bought this type of insurance before?

That's exactly when guidance matters most. We explain what the policy covers, what documents you need, and what common mistakes to avoid — before you commit to anything. You don't need to be an expert. That's our job.

?What happens when I send a WhatsApp message?

You'll get a reply (usually within a few hours during business hours). We'll ask a few questions about your situation — vehicle details, property type, etc. Then we'll explain your options honestly, including what's covered and what's not. No pressure to buy immediately.

?Will you try to sell me the most expensive policy?

No. We work with multiple insurers and recommend based on your actual need and risk. A lorry owner on NH needs different coverage than a car owner in the city. We explain the trade-offs and you decide.

Have a different question? Just ask — no commitment needed.

Ask on WhatsApp →
FAQs
What's the cheapest group health insurance for a small company? For a company with 10 employees (avg age 28), employee-only coverage at ₹2 lakh sum insured costs approximately ₹2,500-3,500 per employee per year. That's ₹25,000-35,000 total.
Can a 7-person company get group health? Yes. Several insurers offer group health for as few as 5-7 employees. Options are more limited than for 20+ employee companies, but good plans exist.
Is it better to give employees cash instead of health insurance? No. A medical emergency can cost ₹5-10 lakh. Cash allowance of ₹5,000/year won't help. Group health at ₹3,000/employee provides ₹2-5 lakh coverage — dramatically better value.
Can I add group health as a pre-employment benefit later? Yes. We help companies start with basic coverage and upgrade each year as the company grows and budget improves.

Why work with us

🏢

Real local office — not a call centre

Walk-in office in Sholavaram. You meet the same person who handles your policy and claim support.

📋

Documentation-first approach

We check your documents, sum insured and wording before you sign. This reduces avoidable claim rejections.

⏳

30+ years of field experience

Not just selling policies — we've guided claims, renewals and disputes across transport, industrial and personal lines.

🔍

We explain before you buy

No jargon-heavy pitches. We tell you what's covered, what's not, and what documents to keep ready.

Quick document review

What should you do right now?

In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.

WhatsApp your policy copy

PDF or photos are fine.

Share location + policy type

So we apply the right rules.

Get a straight answer

  • Whether renewal is safe
  • If documents are missing or weak
  • If insurer inspection or extra steps apply
Document-based guidance
Privacy-first: no unnecessary storage
Clear next steps, no pressure

Quick Links

M N Rajendrakumar Insurance Services
Sholavaram (Chennai Outskirts)