Easily manage employment in India

Want to employ workers in India? Companies hiring in India are typically required to either own a local legal entity or work with a global employment platform like Remote that can legally provide employment services in the country.

Remote can employ team members in India and keep you compliant. Remote can hire, onboard, and pay your India team so you don't have to set up local HR services in the region. Remote also makes it easy to pay contractors in India. Sign up now to get started or talk to an expert for more details.

Remote Benefits Plans

At Remote, we provide tailored benefits to ensure that all Remote employees receive comprehensive coverage from top providers.

Accident & Disability

In India, Accident and Disability Insurance is included as part of any health insurance package offered by Remote. This comprehensive coverage ensures that employees are protected against unforeseen accidents and disabilities.

The insurance provides a sum insured of ₹5,000,000 ($60,240) per employee, covering accidental death, permanent and partial disabilities, medical expenses, and more. Additional benefits include allowances for children’s education, transportation of mortal remains, and compassionate visits. This ensures that employees and their families are supported during difficult times.

Coverage Details

Note that the Accident and Disability Insurance is included as part of any of the Health Insurance package offered in India.

• Sum Insured: ₹5,000,000 ($60,240) per employee

• Age Group: 18 - 65 years

• Accidental Death: Up to 100% of sum insured

• Medical Expenses: Covered up to 40% of death/disability claim or 10% of sum insured or actual expenses, whichever is lower

• Permanent Total Disability: Up to 100% of sum insured

• Permanent Partial Disability: Up to 100% of sum insured

• Temporary Total Disability/Loss of Income: Up to 3% of sum insured or ₹20,000 ($240) per week or actual weekly salary, whichever is lower

• Carriage of Dead Body: 2% of sum insured, subject to a maximum of ₹10,000 ($120)

• Children Education Welfare: For two dependent children in case of death of employee - up to ₹10,000 ($120) per child

• Terrorism: Covered except for events arising out of nuclear, biological, and/or chemical means

• Fracture Cover: Accidental broken bones covered up to ₹50,000 ($600) or actual expenses, whichever is lower

• Burns Cover: Accidental burns covered up to ₹50,000 ($600) or actual expenses, whichever is lower

• Transportation of Mortal Remains: Repatriation covered up to ₹25,000 ($300) or actual expenses, whichever is lower

• Compassionate Visit: Transportation allowance up to ₹25,000 ($300) or actual expenses, whichever is lower

• Road Ambulance Charges: Covered up to ₹5,000 ($60) or actual expenses, whichever is lower

Meals

Meal Benefit

Flexi Benefits

Remote offers a default monthly meal voucher benefit in India, amounting to ₹2,200 (~27 USD) per employee. This is provided through a flex benefits card, based on a standard calculation of ₹100 per day for 22 working days.

While meal vouchers are a common practice in India, they are not mandatory. This benefit is provided as a salary deduction, meaning that ₹2,200 will be deducted from the employee's gross monthly salary if they opt in for the meal vouchers. This amount is allocated to their meal vouchers. There is no additional cost to the employer. Employees enrolled under the old tax regime can benefit from tax exemptions on these vouchers, which can lead to tax savings based on their specific tax slab.

Business Travel Insurance

Remote’s Global Business Travel Insurance program is crafted to address the unique needs of your team, whether they are embarking on short business trips or traveling extensively throughout the year. With five comprehensive plan options—Basic, Standard, Premium, Premium Plus, and Standard Plus—this program ensures that your team members have the right level of coverage to protect their health, safety, and well-being while traveling for business. Available in over 90 countries, the program provides extensive global coverage at competitive rates, offering peace of mind no matter where their work takes them.

This optional benefit is designed to be flexible, allowing you to offer tailored coverage that meets the diverse needs of your workforce. By providing business travel insurance, you are taking proactive steps to safeguard your team from unforeseen events such as medical emergencies, trip disruptions, or loss of business equipment while they are on the road.

Basic

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Standard

Coverages (values in USD):

• Excludes Medical & Evacuation

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Standard Plus

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Premium Plus

Coverages (values in USD):

• Emergency & Accidental Medical: $1,000,000

• Repatriation for Medical Treatment: 100% per trip

• Emergency Medical Evacuation: $100,000

• Repatriation of Mortal Remains: $25,000 per trip

• Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Premium

Coverages (values in USD):

• Excludes Medical & Evacuation

• Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips

• Personal Liability: $100,000 per trip

• Accidental Death & Permanent Total Disability: $100,000 per trip

• Loss of Passport: $250 per trip

• Legal Expenses: $10,000 per trip

• Hijacking: $1,000 per trip

• Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA

• Business Equipment: Up to $1,500

• Computer Equipment (single item limit): $500

• Business Money: $100 per day up to $500

• Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.

Mental Health

Offering mental health benefits is not mandatory in this country, but providing the benefit can significantly enhance the emotional well-being and overall productivity of employees.

Remote offers a comprehensive employee mental wellbeing platform in partnership with one of the top-rated employee mental wellbeing providers. This platform is available on desktop and mobile apps and includes 1-to-1 therapy with a curated pool of top-quality therapists in over 35 languages. The advanced matching service finds each employee the right therapist within 48 hours, boasting a 98% success rate. Employees receive a personal wellbeing profile with tailored recommendations and information to track progress. The platform also offers a curated self-guided content library with audio mindfulness and meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers. Additionally, there are 24/7 mental health helplines for immediate support when an employee is struggling.

Mental health program benefits may be offered to the employees from among 5 different plans. Offering mental health benefits is optional, but it can greatly enhance employee well-being and productivity.

It is essential to be aware that in certain countries, mental health benefits may be categorized as ‘Benefits in Kind’ (BIK). This categorization means that the monthly premiums paid

for the benefit might be counted as part of the employee’s taxable income according to the local tax laws.

When mental health benefits are offered, they must be provided equally to all employees in the respective country.

Basic

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Not included in the Basic plan

• Team members can pay for therapy sessions themselves, if needed.

Standard

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes one pre-paid Therapy/Coaching session per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Plus

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes three pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Premium

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes six pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Platinum

Platform Access

Access to the wellbeing platform and app, which includes:

• Personalized wellbeing assessment

• Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers

• Access to manager-specific learnings and resources

• Precision matching for 1:1 coaching and therapy in 35+ languages

• Professional coaching

• Text-based chat with dedicated practitioner

• 24/7 global support in all languages

• Add up to 3 friends and family to the platform

Therapy and Coaching Sessions

• Includes twelve pre-paid Therapy/Coaching sessions per policy year

• Team members can pay for extra therapy sessions themselves, if needed.

Health Benefits

In India, it is mandatory for employers to provide health insurance to employees.

When onboarding a new team member in India, Remote provides comprehensive health benefits through our local offering, which includes six tiered plan options , ensuring you can find the right fit for your team. These plans offer sum insured amounts of ₹2,000,000, ₹3,000,000, or ₹4,000,000 per family. While all plans cover the employee, spouse, and up to four children, we also offer specific options that extend coverage to parents or parents-in-law.

If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here !

Platinum

Inpatient Coverage

• Sum Insured: ₹2,000,000 ($24,100) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children

Diamond

Inpatient Coverage

• Sum Insured: ₹2,000,000 ($24,100) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children, either parents or parents-in-law

Platinum Plus

Inpatient Coverage

• Sum Insured: ₹3,000,000 ($33,700) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children

Diamond Plus

Inpatient Coverage

• Sum Insured: ₹3,000,000 ($33,700) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children, either parents or parents-in-law

Platinum Premium

Inpatient Coverage

• Sum Insured: ₹4,000,000 ($44,900) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children

Diamond Premium

Inpatient Coverage

• Sum Insured: ₹4,000,000 ($44,900) per family

• Maternity Cover: ₹200,000 ($2,400) for the first 4 children

• Room Rent Limits: No limit

• Daycare Treatments: Covered

• Pre-existing Diseases: Covered from Day 1

• Modern Treatments (e.g., Cyber-knife, Stem Cell): Covered up to Sum Insured, with 50% co-pay

• Mental Illness Hospitalization: ₹100,000 ($1,200) within Sum Insured

• COVID-19 Treatments: Covered up to Sum Insured

• Internal Congenital Disease: Covered up to Sum Insured

• External Congenital Disease: Covered in life-threatening situations

• Psychiatric Ailments: ₹100,000 ($1,200) within Sum Insured

• Organ Donor Expenses: Covered if the organ is for the insured’s use; the cost of the organ is not covered

• Gender Affirming Therapies and Surgeries: Covered up to ₹300,000 ($3,600) within Sum Insured

• LGBTQ Cover: Covered

Outpatient Coverage

• Coverage Limit: ₹40,000 ($480) per family

• Premium Doctor Consultations: Unlimited online doctor consults with 20+ specialities

• Mental Health: Unlimited online consultations with psychologists and psychiatrists

• Nutrition Counselling: Unlimited online consultations with expert nutritionists

• Veterinary Care: Unlimited online consultations with top veterinarians for your pets

• Vision (Spectacles and Lenses): Covered

• Dental Treatments (Fillings, Root Canals, Scaling and Cleaning, Tooth Extraction, Replacement): Covered

• Vaccinations including COVID Vaccination: Covered

• Physiotherapy, Nursing care post-hospitalization, AYUSH treatments, Prescribed diagnostics, Medicines, Health Checkups, Minor surgeries and dressing

Vision Coverage

• Cataract: Covered

• Lasik Surgery: Covered if correction index is +/- 6.5D

• Lucentis: Covered up to ₹50,000 ($600)

Dental Coverage

• Dental Treatments: Covered under outpatient cover

• Consultations and care: Covered

Family Coverage

Members Covered: Employee, Spouse, up to 4 children, either parents or parents-in-law

Life Insurance

Platinum Tier

Cover Level:

INR 5,000,000 (subject to salary cap)

Provides financial protection and security for beneficiaries in the event of an insured team member's death during employment.

Benefit Payout: In the unfortunate event of a team member’s death, the plan provides a lump-sum payment. The final payout is INR 5,000,000 or 10 times the team member’s annual salary, whichever is lower.

• If 10x the annual salary is more than INR 5,000,000, the beneficiary receives the maximum cap of INR 5,000,000.

• If 10x the annual salary is less than INR 5,000,000, the payout is limited to that lower amount.

Key Plan Details:

• Eligibility: This benefit is optional for employers. However, if selected, it must be offered to all team members in India (up to age 65) to ensure equal coverage.

• Validity: Coverage begins on the employee's start date and ends on their last working day.

Diamond Tier

Cover Level:

INR 10,000,000 (subject to salary cap)

Provides financial protection and security for beneficiaries in the event of an insured team member's death during employment.

Benefit Payout: In the unfortunate event of a team member’s death, the plan provides a lump-sum payment. The final payout is INR 10,000,000 or 10 times the team member’s annual salary, whichever is lower.

• If 10x the annual salary is more than INR 10,000,000, the beneficiary receives the maximum cap of INR 10,000,000.

• If 10x the annual salary is less than INR 10,000,000, the payout is limited to that lower amount.

Key Plan Details:

• Eligibility: This benefit is optional for employers. However, if selected, it must be offered to all team members in India (up to age 65) to ensure equal coverage.

• Validity: Coverage begins on the employee's start date and ends on their last working day.

Retirement & Pension

The National Pension System (NPS) is a voluntary, long-term retirement savings plan set up by the Government of India. It helps team members build a secure retirement fund by making regular contributions throughout their working years. The system is regulated by the Pension Fund Regulatory and Development Authority (PFRDA).

NPS follows a defined contribution model, meaning your team members retirement savings grow based on how much they contribute and on the returns generated by market-linked investments.

NPS

Employees can contribute to their NPS account in two ways:

• Direct contribution: Employees can contribute a percentage of their basic salary directly through the Protean portal.

• Payroll deduction: Employees can also choose to contribute a percentage of their basic salary through salary deduction, which Remote processes on their behalf.

Employees can contribute through either payroll deduction (managed by Remote) or direct contribution (self-managed).

NPS offers several tax advantages under Indian income tax law:

• Citizens can claim a deduction of up to ₹1.5 lakh under Section 80CCD(1) (part of the overall Section 80C limit).

• Citizens can claim an additional ₹50,000 under Section 80CCD(1B), which is over and above the Section 80C limit.

• Employer contributions are tax-exempt under Section 80CCD(2):

  • Under the old tax regime: up to 10% of your salary (basic + dearness allowance)

  • Under the new tax regime: up to 14% of your salary (basic + dearness allowance)

These benefits make NPS a tax-efficient way to save for retirement.

Retirement & Pension

The National Pension System (NPS) is a voluntary, long-term retirement savings plan set up by the Government of India. It helps team members build a secure retirement fund by making regular contributions throughout their working years. The system is regulated by the Pension Fund Regulatory and Development Authority (PFRDA). NPS follows a defined contribution model , meaning your team members retirement savings grow based on how much they contribute and on the returns generated by market-linked investments.

NPS

Employees can contribute to their NPS account in two ways:

• Direct contribution: Employees can contribute a percentage of their basic salary directly through the Protean portal.

• Payroll deduction: Employees can also choose to contribute a percentage of their basic salary through salary deduction, which Remote processes on their behalf.

Employees can contribute through either payroll deduction (managed by Remote) or direct contribution (self-managed).

NPS offers several tax advantages under Indian income tax law:

• Citizens can claim a deduction of up to ₹1.5 lakh under Section 80CCD(1) (part of the overall Section 80C limit).

• Citizens can claim an additional ₹50,000 under Section 80CCD(1B), which is over and above the Section 80C limit.

• Employer contributions are tax-exempt under Section 80CCD(2):

These benefits make NPS a tax-efficient way to save for retirement.

• Under the old tax regime: up to 10% of your salary (basic + dearness allowance)

• Under the new tax regime: up to 14% of your salary (basic + dearness allowance)

Payroll services in India

India has a diverse economy with key industries in technology, manufacturing, and agriculture. With specific labor laws and tax regulations, employers in India must ensure compliance with local payroll requirements, including social security contributions, employment contracts, and tax obligations. Understanding these regulations is essential for smooth payroll operations and legal compliance.

Payroll breakdown in India

Employers in India must adhere to national payroll regulations regarding wages, taxes, and social contributions. Below is an overview of key payroll components:

Minimum wage and working hours

• Minimum wage: India’s minimum wage varies by state and industry, with the lowest set at INR 178 per day.

• Payroll frequency: Salaries are generally paid monthly.

• Standard working hours: The normal workweek in India is 48 hours, typically spread over five or six days.

• Overtime: Employees are entitled to additional pay for overtime work, calculated based on labor regulations.

Taxation and social security contributions

• Personal income tax: India has a progressive income tax system with rates ranging from 0% to 30% depending on income levels.

• Employer contributions:

• Employee contributions:

• Corporate tax: The corporate income tax rate in India ranges from 22% to 30% depending on turnover.

• Tax reporting: Employers must file payroll taxes and contributions with the Indian tax authorities regularly.

Payroll compliance in India

• Employment contracts must be provided in writing and specify terms such as salary, working hours, and job responsibilities.

• Payroll deductions: Employers must ensure accurate deductions for social security and income tax.

• Employers must stay updated on changes to India’s labor laws and tax regulations to avoid penalties.

Run payroll in India with Remote

Managing payroll in India requires careful attention to tax regulations, employment laws, and social security requirements. Employers must stay informed about tax rates, wage laws, and reporting deadlines to ensure smooth payroll processing and avoid penalties.

The good news is, you can pay anyone, anywhere — from your team in the office to your team abroad, all with Remote Payroll. To see just how easy global payroll can be with Remote, book a demo today.

Contractor management in India

Hiring contractors in India can be a strategic and cost-effective way for businesses to complete projects without the obligations of hiring full-time employees. Whether you are engaging independent contractors for specialized services or working with subcontractors for labor-intensive tasks, understanding India’s labor laws and federal regulations is essential.

Staying compliant with Remote’s contractor management

Remote helps businesses stay compliant when hiring contractors globally with these key features:

• Global compliance support: Ensures adherence to labor laws in 200+ countries with localized contracts and proper documentation.

• Misclassification protection: Includes built-in compliance checks and seamless contractor-to-employee conversion.

• Centralized documentation: Maintains essential records for audits and automates tax filings.

• Legal expertise: Provides guidance on complex local labor laws, simplifying international hiring.

Remote’s streamlined approach minimizes compliance risks and simplifies contractor management for businesses.

Seamless contractor payments with Remote

Remote simplifies contractor payments with:

• Automated processing: One-click approvals, bulk payments, recurring invoices, and real-time tracking.

• Global coverage: Payments in 200+ countries, multiple payment methods, and currency flexibility.

• Cost and compliance: Fair price guarantee (pay only for active contractors), built-in compliance with regional regulations, and localized contracts.

Learn more about how Remote simplifies contractor management in India — get started for free today.

Employer of record in India

Our employer of record (EOR) service enables you to hire, manage, and pay top talent in India with speed and simplicity.

What is an EOR — and how does it work?

Remote’s EOR allows your company to legally hire employees in India without having to set up a local legal entity. On paper, Remote is the official employer, and we handle compliance, payroll, benefits (including equity), and other HR processes — but you maintain full control over the hire’s day-to-day management and work responsibilities. Learn more.

Who should consider using an EOR in India?

An EOR may be ideal if your company:

• Needs to hire employees in India but doesn’t want to establish a legal entity

• Is testing local markets before committing to a full business expansion

• Wants to ensure full compliance with local employment laws and tax requirements

• Needs a fast, cost-effective way to onboard employees in India

• Needs a temporary hiring solution before establishing a legal entity

Why use Remote’s EOR in India?

If your company wants to hire talent in India but doesn't have a legal entity there, our EOR provides a fully compliant and efficient solution. India has strict employment and payroll tax laws, and our EOR service ensures you meet these legal obligations while enabling you to grow quickly.

Key benefits of hiring through our EOR in India include:

• Faster market entry. You can hire talent quickly, without having to wait months to establish a local entity.

• Full compliance with local employment laws. Avoid the legal risks associated with non-compliance and misclassification.

• Simplified payroll management. We automate payroll tax calculations and ensure you are fully compliant with all withholding obligations, even when laws change.

• Lower costs. Setting up a legal entity in India can be costly and time-consuming. An EOR eliminates the need for entity registration, reducing overhead expenses.

• Fewer resources required. With HR, payroll, and compliance managed by the EOR, your company can concentrate on scaling operations and assigning your resources elsewhere.

It’s also crucial to note that, at Remote, we own our own legal entity in India. As a result, we don’t need to rely on third parties, which can incur delays and extra costs, and result in a negative employee experience. All our EOR services — including the dedicated support of our local specialists — are provided in-house.

To learn more — and to see our EOR platform in action — book a demo with one of our friendly experts today.