Coronavirus Insurance
for Employees

Cover of up to ₹5,00,000 designed to provide Covid-19 treatments for your employees and their families

What's covered?

Plum's Covid-19 group policies come with comprehensive benefits

Hospitalisation

All hospitalisation expenses upto ₹5L for in-patient or home care treatment

Pre & post hospitalisation

Covers consultation, investigation & medicine expenses 15 days before and 30 days after

Low waiting period

Cover starts right after day 15 of the start date of your policy

Quarantine cases

Cover for hospital quarantine if later tested positive with Covid-19

ICU

No sub limit on ICU expenses

Normal room

No sub-limit on room rent

Family

Cover available for spouse, children and parents

Cashless

Cashless claims available at network hospitals

PPE Kits

PPE kits covered with a specified sub-limit

Affordable Premiums

Giving some peace of mind to your employees during these uncertain times should not break your bank. Our COVID-19 insurance policies are priced modestly and can be afforded by all businesses, regardless of the size.

(These prices are for a 9.5 month cover and exclude GST)

Sum Insured
₹50,000
₹1,00,000
₹2,00,000
₹3,00,000
₹5,00,000
For age
upto 40 yrs
₹257
₹434
₹743
₹932
₹1,286
For age
41-60 yrs
₹343
₹579
₹990
₹1,243
₹1,714
For age
above 60 yrs
₹514
₹868
₹1,485
₹1,864
₹2,572
Sum Insured
₹50,000
₹1,00,000
₹2,00,000
₹3,00,000
₹5,00,000
For age
upto 40 yrs
₹257
₹434
₹743
₹932
₹1,286
Sum Insured
₹50,000
₹1,00,000
₹2,00,000
₹3,00,000
₹5,00,000
For age
41-60 yrs
₹343
₹579
₹990
₹1,243
₹1,714
Sum Insured
₹50,000
₹1,00,000
₹2,00,000
₹3,00,000
₹5,00,000
For age
above 60 yrs
₹514
₹868
₹1,485
₹1,864
₹2,572

Frequently asked 
questions

How do I know if my  company is eligible?

If your company is registered with MCA, and has 10 or more employees, then it is eligible for Covid Insurance as well as group health insurance.

Who in my team is eligible?
on their own?

All employees and their family members (including spouse, kids and parents) can be covered. If you decide to cover family members, you need to make sure family members of all your employees are covered and that there is no selection in coverage.

Will my team members be eligible for COVID-19 insurance if they are not hospitalised?

No, COVID-19 hospitalisation is required for at least 24 hours for the cover to be applicable. It is only after hospitalisation that you can get reimbursement for all COVID expenses incurred 15 days pre-hospitalisation and 30-days post discharge.

Is there a waiting period to file for COVID-19 claims?

All COVID insurance policies come with a mandatory waiting period of 15 days from the date of purchase. Claims can only be filed after the 15 day initial waiting period.

How to file a claim for COVID-19?

COVID-19 tests & other medical expenses are covered only in case the test result is positive and followed by an active line of treatment in the hospital. This can be claimed via cashless or reimbursement process. You’d need to submit bills against all tests done, medicines bought, and other treatment expenses.

Is the quarantine period covered?

Yes, quarantine on the advice of a registered medical practitioner and at a registered facility to hold the Coronavirus cases is covered under the policy. Quarantine at home or that undergone at any non-recognized facility (for treating Coronavirus case) wouldn’t be covered.

Looking for a COVID-19 insurance policy for your team?