Insurance Basics

ABHA is India's government-issued 14-digit digital health ID under ABDM. Learn what it is, how it works, and how it supports group health insurance workflows.

No claim bonus in health insurance rewards every claim-free year, usually by increasing your sum insured at no extra base premium.

Can you claim Section 80D on employer-paid group health insurance? Here's what employees and employers can actually claim, with a worked example.

Copay meaning explained simply: what copay is, how it works in a health insurance claim, examples, and how it differs from deductible and coinsurance in India.

Three channels exist for buying corporate health insurance in India — broker, direct insurer, or insurtech platform. Each suits different employer profiles.

Procuring corporate health insurance in India is a 7-step process taking 4 to 8 weeks. Covers internal scoping, RFP, evaluation, negotiation, and issuance.

Group health insurance in India requires four document categories — company KYC, employee census, financial proofs, and (for renewals) past claims data.

Buying group health insurance in India takes 7 to 14 working days end-to-end; insurtech platforms can complete the process in 3 to 7 days.

Understand the five main types of group insurance in India - base group health, group personal accident, group life, group OPD, and top-up - and what each covers.

A practical 2026 guide to employee health insurance by company size in India, with coverage tiers, premium benchmarks, and an alternative to the 50% of CTC rule

Most employee benefits in India are not fully tax-free. Employer group health is exempt under Section 17(2); 80D applies only to self-paid premiums. Details here.

Statutory benefits like PF and gratuity are mandated by law; voluntary benefits like group health insurance are employer-chosen. See the full comparison.

The most common employee benefits in India include provident fund, gratuity, group health insurance, group term life, and paid leave. Full breakdown here.

IPD full form is Inpatient Department & OPD full form is Outpatient Department. Learn IPD meaning, OPD meaning, key differences & insurance relevance.

Use this 7-step decision framework to evaluate group health insurance for your business — workforce profile, sum insured, insurer choice, riders, and renewal terms.

Statutory employee benefits in India include PF, ESIC, gratuity, maternity leave, and bonus under the four Labour Codes (effective November 2025). Here's the full list.

Group health insurance premium paid by an employer is fully deductible under Section 37(1) of the Income Tax Act. ITC on GST is blocked under Section 17(5)(b).

Employees can add family members to employer group health insurance during enrolment, at qualifying life events, or via mid-term endorsement. Here's the process.

Compare group health insurance providers across 7 criteria — CSR, ICR, network, TPA, claim TAT, renewal terms, and total cost — to make a data-driven choice.

India's group health insurance market includes major general insurers, standalone health insurers, public sector, and insurtech platforms. The 2026 landscape.

Group health insurance in India includes base GHI, group personal accident, group term life, group OPD, and top-up plans. Each covers distinct risks.

Room rent limits in group health insurance typically cap at 1 to 2% of sum insured per day. Capping affects total claim payouts and other hospitalisation expenses.

Yes, group health insurance in India can cover spouse, children, parents, and parents-in-law. Tier options range from employee-only to full family inclusion.

OPD full form is Outpatient Department & IPD full form is Inpatient Department. Learn OPD meaning, IPD meaning, key differences & insurance relevance.

Discover how to structure group health insurance that covers parents and in-laws. Compare floater vs. separate parent plans, learn about age loading, and find the right insurer.

What is a group health insurance policy? Learn coverage, benefits, costs, and how Indian companies use group health insurance policies to protect employees.

What is health insurance? Learn how health insurance works in India, types of plans, benefits, costs, and why group health insurance matters for employees.

Types of insurance in India explained: life, health, motor, home coverage options. Choose the right policies for your needs.

Types of life insurance in India explained simply. Term, endowment, whole life, ULIPs, child, money-back, annuity and how they work.

Explore the importance of Workmen Compensation Insurance in modern business, covering its benefits, legal aspects, and impact on workplace safety.

Explore how premiums are calculated for Workers' Compensation Insurance, including factors like payroll, job classification, and EMR.

Dive into the role of GIPSA in the insurance sector. Explore how it shapes policies, improves services, and fosters collaboration among public sector insurers in India.

Understand the differences between Workers' Compensation and Employee State Insurance (ESI), including coverage, benefits, and legal aspects for employee protection.

This blog covers what is domiciliary hospitalisation and how it works along with the benefits.

In this blog, we will be discussing about what is mediclaim policy, features and benefits of mediclaim policy including what's covered and not covered in a mediclaim policy.

In this blog, we will talk about the fire insurance claim process, documents required for filing fire insurance claim & how to choose the best fire insurance policy in india.

In this blog, we'll dive into what pre-hospitalization and post-hospitalization expenses mean, the claim process, the benefits they offer, and the necessary documentation.

Know what is Mediclaim Policy, Health Insurance and the difference between Mediclaim & Health insurance in 2024

In this blog, we will explore the benefits of renewing your health insurance policy before it expires, and also guide you through the renewal process, both online and offline.

OPD covers outpatient visits; IPD covers hospital admissions. Learn the difference, how claims work, and whether your group health policy needs an OPD rider.

Read about cashless health insurance, benefits of cashless health insurance and the importance of cashless health insurance for financial protection.

It's important to educate your employees on the health insurance benefits that you offer. Read this guide to learn how you can do it the right way.

OPD in health insurance covers doctor consultations, diagnostic tests, and medicines without hospitalisation. Sub-limits typically range ₹5,000 to ₹25,000 per year.

Don't miss out on the valuable benefit of No Claim Bonus in your health insurance policy. Learn how it works and what to consider.

Restoration benefit is an important feature of health insurance that provides additional coverage when the sum insured is exhausted. Read.

Learn about the benefits of employee advocacy. Discover the objectives, importance, and examples of employee advocacy.

What is TPA in health insurance? A comprehensive guide to understanding TPA in India, why it matters, and TPAs manage health insurance claims.

Confused if dental treatment is covered under your health insurance policy? Read on to find out more about the coverage and limitations.

Are you confused about whether health insurance is worth the investment? This article explains the benefits of health insurance in India.

This article explains what sum assured is in insurance, how it is calculated, and why it is important for policyholders.

Learn about how health insurance works in India, including types of plans, nuances in coverage, costs, and claims.

Want to secure your family’s health? Get all the information about family floater health insurance plans in India with Plum Insurance.

Learn whether or not health insurance covers pregnancy-related expenses, and what types of plans offer this coverage in India.

Confused about how much health insurance you need? We help you decide on this blog, with recommendations based on your needs and budget.

Learn how to port your health insurance policy with Plum's comprehensive guide. Retain your benefits and coverage despite switching insurers.

Wondering if health insurance is tax deductible in India? Here's what you need to know about health insurance tax deductions.

Health insurance premiums tend to increase every year due to various factors. Here's what you need to know and how to manage them.

Understand what sum insured means and how it affects your health insurance coverage. Read this guide for more information.

In this guide, we'll cover all you need to know about coinsurance in health insurance, including how to choose the right coinsurance rate.

This guide covers everything you need to know about health insurance in India, from filing a claim to receiving reimbursement.

The restoration benefit in health insurance can make a big difference to the overall cost of your health insurance. Find out all about restoration benefit.

Are you eligible to be a nominee in insurance? Learn the eligibility requirements for being a nominee in insurance.

Are you a startup looking for the right health insurance to protect your employees? Find the best policy for your startup and small business here.

Are you considering porting your health insurance? Read on to discover everything related to health insurance portability.

Are gift cards a taxable employee benefit? Learn everything an employer or an employee needs to know about gift cards here.

Hospitalizations can be difficult to cope with. It is not only the patient who suffers; he, his family, and his friends also go through a challenging time. In such difficult times, health insurance policies work as a financial support system for many.

TPA full form is Third Party Administrator. Learn how TPAs work in health insurance, their role in claims, cashless treatment, and why they matter.

CSR and ICR are two metrics that tell you whether an insurer actually pays claims. Here’s what they mean and how to use both when buying group health insurance.

Find out everything on corporate health insurance while changing jobs. Learn about steps to take before moving on from your current employer & more.

Have you ever wondered what corporate reimbursement coverage is? This blog will teach you about corporate reimbursement insurance's benefits and why it's a must-have for any business.

Are you looking for the correct documentation required in group health insurance? Here, you will find all the relevant information that you need to know about the documents required to file a claim.

Employees in India often have doubts about using their GMC. Here are 6 reasons why employees might be hesitant to avail the benefits and why you should convince them to use it.

Feeling the bulk of your medical reports? Here is how you can store your reports with a Digital Health ID Card and easily access them.

An entry-level job is the starting point of your career. Do you see the need to do more? Here is a to-do list to help you climb the ladder.

Generation Z, also known as ‘professional world improvers’, are mobilizing energy at Plum Insurance. Here is a sneak peek of this modern workforce.

Cashless or reimbursement claims, which is more suitable for your health insurance? Learn about the points of distinction between the two.

You need to get a higher insurance cover to counter the inflation in medical costs. Here is how you can increase your health insurance cover.

Selecting health insurance is challenging but staying insured is vital. Should you opt for long-term health insurance? Read on to know more.

Buying health insurance online is both cost-effective & hassle-free. Dive in to read about the benefits of buying online health insurance.

Copay in health insurance can benefit you with lowered premiums. Read to know more about the Copay clause and the corresponding benefits.

Deductibles in health insurance refer to the portion of the medical expenses that the insurance holder pays before claiming.

Critical illness cover is a unique insurance plan that provides a one-time payment to the policyholder for a life-threatening disease.

Exclusions in health insurance are conditions that are not included in your policy cover. Here is a common list of exclusions in a health plan.

Health insurance add-ons are a type of rider option that offers extra protection and enhances your existing medical cover. Know more here.

Pre-existing diseases and conditions are covered by your health insurance plan after a specific waiting period. Read more about it here.

Buying health insurance is a complicated process. Read our blog to learn about health insurance myths to avoid before making a decision.

Here are some dental myths that you should be aware of. A few of them might also surprise you so make sure to go through all of them!

Here’s all you need to know about offering employee health benefits and what health benefits you should provide to your employees.

Employee benefit expenses refer to expenses incurred by the company to benefit its employees. Read our blog and learn more about its types and importance.

Understanding insurance can be quite complicated. Read our guide to learn what is adverse selection in insurance before you choose!

Are you looking for information about statutory benefits in India? This blog is about the different types of benefits available to employees.

Check out this blog to know about what moral hazard in insurance is, how it works, how it affects health insurance and more. Read now!

Explore what no capping in health insurance means, including room rent coverage, proportionate deductions, and the impact of room rent capping on your policy.

A cash deposit (CD) balance in health insurance refers to the cash balance maintained by an employer to cover the health risk of newly added employees.

Check out what Network & Non-network Hospitals mean and the key Differences Between Network Hospitals & Non-network Hospitals on Plum.

Learn about the top 10 insurtech companies in India for 2024. These companies are leading the way in innovative technology.