Your competitor is offering free lunch.
You can offer a crisis-proof promise.
In the war for India's top tech talent, your Group Health policy is more than a benefit—it's your retention strategy's front line.
Every HR Leader Fights a Two-Front War.
We understand the tension between fiscal responsibility and human-centric leadership. It’s the tightrope you walk every day.
The Battle to Justify Spend
You're armed with anecdotes. Your CFO is armed with spreadsheets. You're asked to defend a significant budget item with intangible ROI, turning every renewal into a battle of justification.
The Battle for Trust
You make a promise of care. But when a crisis hits, you're forced to navigate the fine print. A single bad claims experience can create a culture-damaging story that no amount of free lunch can fix.
We're not brokers.
We're your policy's code auditors.
A policy has bugs, exploits, and legacy code. We find them before they crash your culture. Our process is transparent, technical, and built for tech leaders.
01
The Diagnostic
An exhaustive audit of your claims data to find the anomalies and one-time events that unfairly inflate your premium.
02
The Benchmark
We compare your performance against our anonymized data pool of high-growth Indian tech companies. No more guesswork.
03
The Underwriter Summit
A data-driven negotiation, not a sales haggle. We present the business case for a fair, sustainable premium.
The Vulnerability Scan.
A policy looks great on paper. But a real crisis doesn't follow the script. Our 78-parameter scan stress-tests your policy against the scenarios that keep leaders like you up at night.
The Modern Treatment Trap
Your top engineer needs robotic surgery. The insurer says it's covered under "Modern Treatments," but a hidden sub-limit caps the payment at ₹75,000, leaving your employee with a massive bill. The trust you've built evaporates instantly.
The Critical Question: Does your policy cover modern treatments without crippling sub-limits?
The Catastrophe Clause
A tragic accident involves a group of your employees traveling together. The policy has a 25 lacs per employee sum insured but an invisible "per-event" clause caps the payout at 100 Lakhs for the entire group, forcing you into an impossible conversation with their families.
The Critical Question: Does your policy protect each individual life to the full Sum Insured, or does a "per event" limit hide the real risk?
The High-Performer Crisis
Your star performer suffers a heart attack at their desk. The hospital bill is ₹25 Lakhs. The sum insured is 5 lacs and corporate buffer is also capped to 5 lacs. How will you manage the balance 15 lacs?
The Critical Question: Is your corporate buffer sufficient for a single catastrophic event, or does it leave your top talent dangerously exposed?
From Vulnerability to Value.
Identifying risk is the first step. The next is to build a financial model that justifies your investment in a superior, crisis-proof policy. That's where the data comes in.
The Benchmark Tool.
See how your policy stacks up. Is your premium a fair market rate, or is there room for a smarter investment? Run the numbers.
Your Blueprint is Your Application.
Welcome to The Ethika Council.
We partner with a select group of tech HR leaders who are serious about building world-class culture. The Policy Blueprint we build together serves as our mutual discovery process. If our values align, you're invited to join The Ethika Council—a private community for strategic leaders to share insights and access exclusive masterclasses.
What to Expect:
- 1. A 15-minute intro call to understand your goals. No sales pitch.
- 2. We build your complimentary, data-driven Policy Blueprint.
- 3. A mutual decision on partnership and your invitation to The Council.