Life Beyond Work

At Plum, our mission began with a simple question: how can companies take better care of their people? Over the years, we’ve built simpler ways to buy group health insurance, created a claims process that people trust, and championed benefits that encourage care before illness.

But when we shifted the frame from “companies” to “employees,” another story emerged. 

In conversations with Plum members over the past few months, a clear pattern surfaced: while work remains central to identity, bringing purpose, confidence and meaning, gratitude for good group insurance was consistently accompanied by a deeper need to secure what’s personal. This wasn’t about simply topping up corporate cover, but about preparing for chapters where work isn’t the anchor, such as career breaks, caregiving, pursuing a passion or moving closer to family.

We kept hearing the same refrain: “I love my job, but I’m also planning for a life that isn’t only my job.” One member was saving for a year of study. Another was taking time off to bootstrap a product. Someone else was moving cities to care for ageing parents. And some just wanted to travel while the window felt right—now, not some day.

For them, personal insurance wasn’t just a backup. It was a practical way to make decisions with confidence—whether that meant trying something new, caring for family, or changing jobs without the fear of losing coverage.

Why We Expanded “Plum Care” to the Person, Not Just the Payroll

We’ve always believed that good coverage is coverage you can actually use, and if there’s one standard we’ve consistently set, it’s claims. 

A claim usually comes on a difficult day for someone you care about, and the least we can do is make the process easier. That’s why we provide fast, human claims support with real people in real time instead of endless hold queues, prioritize cashless approvals so you’re not forced to pay out of pocket in a crisis, and offer proactive guidance to help you choose the right pathway, whether OPD, cashless or reimbursement, before you’re stuck.

Median cashless approval time: 60 minutes

NPS: 81

These aren’t just brag lines; they’re the foundation that lets us extend Plum beyond the company boundary, with confidence.

Explore Plum Personal Health Insurance and Plum Personal Term Life Insurance.

Designed for Continuity 

Modern careers are fluid, and on average professionals in India switch jobs four to five times during their working lives. Yet corporate insurance typically ends the day you leave a company, creating a gap where many professionals and their families are left unprotected. That’s why we designed Plum for continuity, with switch-over options from group to personal plans so there are no coverage gaps, continuity benefits on waiting periods so your protection grows with you, add-ons like OPD wallets, preventive checkups and teleconsults that evolve with your needs, and guidance through milestones such as marriage, parenthood, elder care or that long-deferred sabbatical.

Where Corporate Insurance Stops

Corporate insurance remains one of the most valued employee benefits in India. It provides immediate coverage, short waiting periods, and access to networks of hospitals. But it isn’t designed for everything.

Typical gaps include:

• Exclusion of dependents over 65.
• Loss of coverage during career transitions.
• Insufficient cover for lifestyle diseases.
• Room rent and location-based restrictions.

Corporate cover is a great first layer. But real security needs a plan that grows with life and travels with you.

Care That Stays With You 

When we first started Plum, our focus was on making insurance simpler and more human. But as we worked with more and more people, we realised that protecting someone’s health isn’t just about covering hospital bills. The real question was, how do we impact the health and wellbeing of every Indian, every day? That’s what led us to build beyond insurance.

We launched telehealth so that seeing a doctor didn’t mean waiting for days or sitting in crowded clinics—you could get help with just a call. We built Plum Perks to make things like preventive care, mental health support, and fitness more affordable and accessible. And we added wellness benefits like checkups, health trackers, and curated programs to nudge people toward healthier everyday habits.

So when you choose Plum Personal, you’re not just extending your coverage. You’re stepping into this wider ecosystem of care that we’ve been building—one that supports you not just when you’re sick, but also when you’re trying to stay well.

Capturing the Spirit of Life Beyond Work

At Plum, we’ve always been about people, not just policies. To everyone who’s trusted us with their health and their stories—thank you. Thank you for the late-night emails and the early-morning feedback. For telling us where it hurts (literally and metaphorically) and where we can do better. For letting us assist on days you’ll remember forever, and on days you’d rather forget.

Every smooth discharge, every hassle-free cashless approval, every “it’s sorted” text—we keep those like postcards on a wall. They remind us who we’re here for.

Our Life Beyond Work campaign celebrates exactly this: the lives professionals are building outside office walls. The relationships, aspirations, and responsibilities that shape us between 9 pm and 9 am as much as between 9 and 5.

Because while corporate insurance protects employees, personal insurance protects people.

Talk to Plum.