Best-in-class group health insurance at affordable price

Health insurance that comes with no surprises, no hidden costs & no out-of-pocket expenses.
Give your team the care they deserve.

Comprehensive health insurance

Plum brings all encompassing benefits under one umbrella. Pick and choose the benefits you want covered and only pay for them.

Covid-19
Covers pandemic including Covid-19 treatments from day 1
No waiting periods
Use your health cover from day-1. Cover starts immediately.
Maternity
Covers maternity expenses, including pre & post natal expenses
Pre-existing diseases
Covers all pre existing conditions like diabetes and cancer from day-1
Family cover
Cover the entire family including parents, spouse and kids
New-born cover
Waive the 3-months waiting period, and get the new born cover from day-1
No room rent limits
Choose any hospital room you prefer without worrying about restrictions
No disease-wise limit
No more limits for common treatments like knee replacement and appendix removal
Day care
Procedures that require <24 hours of hospitalization
Home healthcare
Covers treatments done at home if the treating doctor advises home treatment
Pre-hospitalisation Costs
Get reimbursed for expenses for 60 days of pre hospitalisation
Post-hospitalisation Costs
Get reimbursed for expenses for 90 days of post hospitalisation
Zero copay
Covers 100% of the eligible expenses
Zero deductible
No upfront payment for an eligible claim
Ayurvedic treatments
Covers ayurvedic treatments in a government hospital
Mental illness treatments
Covers psychiatric and mental treatments
Air-ambulance costs
Covers expenses of air and ground ambulance service
Terrorism accidents
Covers accidents and hospitalizations due to terrorism
Flexible coverage
Get coverage of starting from Rs.50K to upto Rs.10L per member
Cashless claims
No more hassle of reimbursement. Get cashless coverage at network hospitals

High-cover personal accident insurance

Get up to ₹2 Cr. cover for accidental deaths, disabilities and loss of cover. Enable financial support to your employee or their family member in case of an unexpected incident.

Death
100% of sum insured in case of accidental death
Permanent total disability
Upto 100% of sum insured, depending on type of disability
Permanent partial disability
Specified % of the sum insured, based on extend of disability, in case of permanent partial disability
Temporary total disability
1% of sum insured per week (not exceeding ₹5,000/week for a max of 104 weeks) to cover loss of income
Repatriation of mortal remains
Upto ₹5,000 in the event of accidental death outside the residence
Funeral expenses
Upto ₹5,000 for funeral expenses in case of accidental death
Children education
Add-on benefit to support education of dependent children in the event of death of permanent total disability
Medical expenses
Coverage for the in-patient hospital expenses incurred a result of an accident

Term life insurance protection

Provide financial protection to employee's family in case of death due to any reason.

Sum assured
Choose either a fix sum insured, or a sum insured that is a multiple of CTC
Benefit
Nominee gets 100% of the sum assured in case of death
No health check
You can get a cover of upto ₹75L without any medical checkups

Why opt for group insurance

Waiting period
Eligibility
Policy customization
Price
Refund
Group insurance
Retail insurance
2 yrs on named ailments & 4 yrs on pre-existing diseases
Parents with pre-existing conditions or of higher age may not be covered
Standard policies with no flexibility to customized the policy
Standard pricing no matter how big your team is
No refund if the employee leave the company in the middle of the year
Waiting period
Eligibility
Policy customization
Price
Refund
Group insurance
Waiting period
Eligibility
Policy customization
Price
Refund
Retail insurance
30 days waiting period for all diseases, 2 years on named ailments, and 4 years on pre-existing diseases
Parents with pre-existing conditions or of higher age may not be covered
Standard policies with no flexibility
Standard pricing no matter how big your team is
No refund if the employee leave the company in the middle of the year

Reimagining group health insurance

Tailor-made

Plum customizes and recommends the plan that is best for your team. Not satisfied? We will work with you to further customize the plan.

Pre-negotiated

We want to take away the time taking process of negotiation from the process. Get the lowest pricing in the industry within 60 seconds.

100% transparent

No more opaqueness into how health insurance is priced for your team. Use our pricing tool to get real-time pricing.

Frequently asked questions

Do I need to buy insurance for my employees?

On April 15th 2020, the Government of India, as part of order №40–3/2020-DM-I (A), made it mandatory for all employers, who resume functioning post-COVID-19 lockdown in the country, to provide medical insurance to their employees.

When should I purchase group health insurance for my company?

Given the current Covid-19 pandemic, we recommend companies to set up health insurance as soon as they become eligible for a group cover.

Is there any minimum requirement to take group insurance?

Plum’s group health insurance is available for a registered company, with a minimum of 7 members. E.g., if you are a company of 4 employees (and 3 spouses), you are eligible.

Is it be better to buy insurance directly from the insurance company?

No, it is always recommended to take help of an intermediary while choosing the insurance. Insurance is complex. Plum works closely with you to understand your needs and then work with multiple insurance companies to develop a customized plan and a negotiated price.

Does my health insurance cover expenses on outpatient treatments?

Most health insurance plans in India cover expenses that are incurred while you are hospitalized. Plum provides a doctor-consultation add-on benefit, in case you want your outpatient consultations to be covered.

Can I take policy for specific employees?

No, group covers don'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.

When can employees use health insurance?

Insurance covers require a minimum of 24 hours of hospitalization. Insurance covers do not reimburse you for OPD visits, health checkups, or medicines that don't involve a hospitalization.

Is there a limit on the number of claims during a year?

No. You can make an unlimited number of claims during the policy period. However, the sum insured is the maximum limit under the policy.

Health of your team is now an essential