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More than 90% of Indian employees feel confident about their ability to afford healthcare for themselves and their families, according to a recent Mercer Marsh Benefits report. The study, which surveyed over 18,000 employees across 17 markets—including 1,030 respondents from India—offers a snapshot of evolving employee expectations and well-being in the country.
Key Findings from the Report
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Indian employees report high levels of well-being and satisfaction with their ability to meet healthcare needs.
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The report highlights a growing demand for workplace benefits that offer flexibility, personalisation, and long-term support, reflecting a workforce increasingly focused on longevity and future planning.
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Employers have emerged as the most trusted source of affordable, quality healthcare. Over 80% of employees who could personalise their benefits felt their employer genuinely cared about their health and well-being.
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Despite high confidence, financial concerns and anticipated long wait times remain the top reasons for delaying healthcare, suggesting that out-of-pocket costs and other financial barriers still prevent some employees from accessing necessary care.
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The report urges employers to adapt their benefits strategies by focusing on preventive care, early detection, and outpatient (OPD) provisions to build affordable coverage and outpace competition.
Challenges and Opportunities Ahead
While the majority of Indian employees feel secure about healthcare affordability, the report notes a decline in confidence regarding employer support for long-term health planning, dropping from 80% in 2023 to 75% in 20257. This trend underscores the need for Indian employers to reassess their benefits strategies, especially as life expectancy rises and careers extend.
Mental health remains a significant concern, with 59% of Indian employees worried about mental or emotional health decline and 47% reporting daily stress. Yet, only 22% say their employer offers mental health screenings, indicating a gap in current workplace support.
The report also calls attention to the impact of climate events, with 87% of Indian employees saying they or their families have been affected by floods, heat waves, or similar incidents. Employers are encouraged to develop resiliency plans, including emergency savings and loan programs, to support employees facing such hardships.
Expert Perspective
Sanjay Kedia, CEO of Marsh McLennan India, stated, “As life expectancy increases and careers extend, employers have a profound opportunity to build trust and commitment by prioritising benefits that support long-term health planning and financial well-being, ensuring their workforce thrives not just today, but well into retirement”.
Disclaimer
This article is based on publicly available information from the Mercer Marsh Benefits report and related news coverage. The findings and recommendations reflect survey data and expert commentary as of June 2025. Readers are advised to consult the original report or professional advisors for specific guidance on employee benefits and healthcare planning.
