HomePersonal Finance NewsPreventive care, flex benefits on the rise as 35% jump seen in OPD coverage: Prudent report
Drawing on data from 3,900 organisations across 14 sectors, the report analysed 50 lakh employee records and 20 lakh claims.
By Anshul November 3, 2025, 3: 24: 50 PM IST (Published)
Indian employers are prioritising preventive care, mental well-being, and flexible benefits, signalling a shift in workforce benefit strategies, according to Prudent Insurance Brokers’ Annual Benefits Scorecard 2025–26.
Drawing on data from 3,900 organisations across 14 sectors, the report analysed 50 lakh employee records and 20 lakh claims.
A standout finding is the 35% year-on-year rise in adoption of outpatient (OPD) benefits, with median OPD cover increasing from ₹10,000 to ₹15,000. Nearly 95% of organisations surveyed now prefer insurance-backed OPD models for smoother claims and compliance, reflecting a clear shift from hospitalisation-focused plans to everyday, preventive healthcare.
“Companies are moving towards benefits that focus on overall well-being — preventive care, mental wellness, and flexibility in how benefits are used,” said Surinder Bhagat, Head – Employee Benefits, Large Account Practices, Prudent Insurance Brokers.
Data highlights changing employee priorities
The report also analysed wallet-based flex spending patterns of over 5 lakh employees, showing a demand for personalised, choice-based benefit programmes.
Adoption of voluntary top-ups rose around 30%, and flexible Lifestyle Management Accounts (LMAs) that integrate insurance, wellness, and mental-health offerings saw 20–30% higher engagement compared to traditional benefits.
Employers are gradually shifting from static, one-time enrolments to dynamic benefits ecosystems. However, challenges such as participation gaps and vendor fatigue persist, particularly among mid-sized and large companies.
Sector snapshot
IT & ITeS firms lead in preventive care, mental-health support, and DE&I-aligned coverage.
Manufacturing and automotive industries are expanding maternity and parental benefits but lag in flexibility.
BFSI and pharma employers are enhancing family and wellness coverages but have limited customisation options.
Retail and hospitality sectors sho
