FAQs

Is there any minimum requirement to take a group insurance?
This cover is available for a registered company, with a minimum of 7 members. E.g., if you are a company of 4 employees (and 3 spouse), you are eligible.
Is there any age limit?
Yes, adults between 18 to 80 years and dependent children between 3 months to 25 years can be covered.
Can we opt to cover family members?
Yes, you have three policy design options:
• E plan: Covers employees only
• ESC plan: Covers employees, spouse, and upto 4 dependent children
• ESCP plan: Covers employees, spouse, upto 4 dependent children, and 2 parents/in-laws

Other relatives, like siblings or uncles, cannot be covered.
Can I take policy for specific employees?
No, group covers doesn't allow any selection. You will have to cover ALL your employees with no exception.

Read more on why selection is not allowed.
Can I take policy for specific family members?
No, group cover doesn't allow any selection. If you choose to take the ESC-plan, you will have to cover spouses of all married employees and all dependent children.

If you choose to take the ESCP-plan, you will have to cover spouses of all married employees, all dependent children, and parents of all employees.

Read more on why selection is not allowed.
Can I add or remove members after the initial setup?
Yes, you can add new employees, add new dependents (at the time of marriage or childbirth), and remove employees who exit the company. Additions and deletions can be done using the Plum dashboard.

For additions, you would get charged based on pro-rata. E.g., if the annual premium for a 35-yr old member is ₹2000, and you add a member 6 months later, you would pay ₹1000 for that member. In case a member is deleted, you would get refunded ₹1000.
How do claims works?
Your team members would get Plum app to understand their insurance cover, see what's covered and what's not covered. They can see cashless hospitals nearby. They would also see the step by step claims process on the app itself. The insurance covers both cashless claims and reimbursement claims.