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, menta

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