Employee Health Matters Handbook 2026 - India Edition
The Employee Health Matters Handbook 2026 is a proprietary research report by Pazcare based on:
✓ 77,000 anonymized insurance claims
✓ 12,000 preventive health checkups
✓ 14 lakh covered lives across Indian workplaces
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As seen in the News
About this Report
The report helps HR leaders, founders, and people teams understand, the biggest employee health risks,the fastest-growing insurance cost drivers, and the workplace health patterns shaping group insurance renewals in India
142 Pages
Fourteen health chapters, each ending with specific benefit design decisions for HR.
14 Health Chapters
Maternity, cardiac, mental health, injury, cancer, kidney, eye, OPD, and more — each with its own claims and screening data.
100% Indian Workplace Data
Every data point comes from Pazcare claims and health screenings across Indian companies.
Free To Download
No paywalls. No generic wellness fluff. Directly actionable for your next renewal cycle.
Key Findings
Maternity claims is the single largest hospitalization category
- - Maternity claims account for 20% of all employee hospitalizations in Indian workplaces
- - 62% of deliveries are C-sections
- -87% involve surgery, complications, or neonatal care
Cardiovascular risks are already visible in younger employees
- - 63% of all lipid abnormalities were found in employees aged 20–35
- - A male employee aged 31–35 already has a 48% probability of abnormal blood pressure
Mental health utilization signals persistent workplace stress
- -1 in 3 employees attending therapy return for multiple sessions.
- - Anxiety is the leading concern for nearly 3 in 10 users
Injuries are one of the fastest-growing claims categories
- - 54% of injury claims come directly from employees and not dependents.
- - Average injury claim costs increased by 9.6% year-over-year
Parent coverage is becoming a major insurance cost driver
- - 89.6% of ranked cancer claims originated from parents covered under employee insurance policies
- - Parent cardiac claims cost approximately 50% more than equivalent employee claims
Young employees are pre-diabetic without knowing it
- -By age 31–35, 1 in 4 male employees shows abnormal HbA1c, a key pre-diabetes marker
- -Fasting blood sugar abnormalities double every five years in males
The handbook HR teams are using to redesign their benefits.
142 pages. 14 chapters. Everything you need to build a health benefits programme your employees will actually use.
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