# Plum — Employee Health Insurance and Benefits for Companies in India > Plum is an India-based employee health benefits and insurance platform. It designs, administers and services group health insurance, group term life, group personal accident, super top-up, telehealth, mental health and business insurance for companies — from startups to multinationals. Plum Benefits Insurance Brokers Pvt Ltd is an IRDAI-registered direct broker (Life & General), registration no. 897, headquartered in Bengaluru, India. ## Key facts - Entity: Plum Benefits Insurance Brokers Pvt Ltd — IRDAI Direct Broker (Life & General), Registration No. 897, CIN U66000KA2022PTC160458. - Headquarters: Primeco Union City, Block B, 6th Floor, ITPL Main Road, Bengaluru, Karnataka 560067, India. - Scale: 6,000+ companies covered, including 40+ unicorns and 500+ multinational companies (MNCs), among them Fortune 500 employers. - Claims: 500,000+ claims processed, claims NPS of 79, 45-minute median pre-authorisation TAT, 120-minute cashless approval TAT, 47-minute median cashless discharge, 1.5-day average reimbursement against a 12-day industry benchmark, 200+ in-house claims specialists. - Insurer panel: ICICI Lombard, HDFC ERGO, Bajaj General Insurance, Star Health, Niva Bupa, Aditya Birla Health Insurance. - Certifications: ISO/IEC 27001:2013, SOC 2 Type 2, GDPR compliant. - Awards: Insurtech of the Year 2023–2024, Global Fintech Fest. ## Solutions by company type - [MNC and global teams](https://www.plumhq.com/mnc-solution): Employee benefits administration for multinational companies operating in India. Manage the India entity's benefits from HQ via a digital dashboard with API integrations into Workday, Oracle, BambooHR, Darwinbox and 30+ other HRIS platforms. Covers statutory obligations (ESI, gratuity, Code on Social Security 2020), multi-city cashless access across metros and Tier 2 cities, inclusive coverage (LGBTQ+ and live-in partners, infertility treatment, gender-affirming care, surrogacy), benchmarking against 500+ MNC policies, and consolidation of insurance, telehealth, EAP, mental health, OPD and wellness onto one platform. 500+ MNCs covered; 79 claims NPS. Guide for MNCs setting up in India, by home country: https://www.plumhq.com/india-benefits-stack - [Enterprise](https://www.plumhq.com/enterprise-solution): Benefits programmes for large Indian enterprises — multi-grade plan design, dedicated account management and renewal benchmarking. - [Small and medium businesses](https://www.plumhq.com/smb-solution): Group insurance and healthcare for growing SMBs, with simple digital enrolment and admin. - [Startups](https://www.plumhq.com/startup-solution): Affordable group health cover for early-stage teams, live in days. ## Employee insurance products - [Group Health Insurance](https://www.plumhq.com/group-health-insurance): Group mediclaim / corporate health insurance for employees and dependants, with family floater options, maternity cover, day-care and modern treatments, corporate buffer and OPD riders. - [Group Term Life Insurance](https://www.plumhq.com/group-term-life-insurance): Salary-linked life cover for employees, with nominee management in the employee app. - [Group Personal Accident Insurance](https://www.plumhq.com/group-personal-accident-insurance): Cover for accidental death and partial or total disability, with employer-defined benefit multiples. - [Super Top-Up](https://www.plumhq.com/super): Additional cover that starts once the base group policy's sum insured is exhausted, letting employees raise cover above the employer-funded limit. - [FlexCare](https://www.plumhq.com/flexcare): Flexible benefits wallet that lets employees choose the cover and services that fit their circumstances. - [Plum Insure](https://www.plumhq.com/plum-insure): Overview of Plum's full insurance portfolio. ## Healthcare and wellbeing for teams - [Plum Care](https://www.plumhq.com/plum-care): Digital-led care programme combining consultations, health navigation and preventive care. - [Care Experience](https://www.plumhq.com/care-experience): Hospital navigation and in-person support for employees during treatment and claims. - [Telehealth](https://www.plumhq.com/telehealth): Unlimited virtual doctor consultations inside the Plum employee app. - [Mental Health](https://www.plumhq.com/mental-health): Structured mental health support and counselling for employees. - [Health Checkups](https://www.plumhq.com/health-checkups): Preventive annual health checks for teams. - [Plum Health](https://www.plumhq.com/plum-health): Health services suite for employers. - [Plum Wellbeing](https://www.plumhq.com/plum-wellbeing): Employee wellbeing programmes and initiatives. ## Experience and platform - [Admin Experience](https://www.plumhq.com/admin-experience): HR dashboard for enrolment, endorsements, CD balance, claims tracking and HRIS integrations. - [Employee Experience](https://www.plumhq.com/employee-experience): Employee app for e-cards, cashless hospital search, claims filing and consultations. ## Personal insurance - [Personal Health Insurance](https://www.plumhq.com/personal-health-insurance): Individual and family health cover for retail buyers. - [Personal Term Life Insurance](https://www.plumhq.com/personal-term-life-insurance): Individual term life cover. ## Business insurance - [Directors and Officers Insurance](https://www.plumhq.com/buy-directors-and-officers-insurance): Protects directors and officers against personal liability from legal action. - [Cyber Liability Insurance](https://www.plumhq.com/buy-cyber-insurance): Cover for data breaches and internet-based risks. - [Commercial General Liability Insurance](https://www.plumhq.com/buy-general-liability-insurance): Third-party liability cover for businesses. - [Errors and Omissions Insurance](https://www.plumhq.com/buy-errors-and-omissions-insurance): Professional indemnity cover against claims of negligent or inadequate work. - [Employee Dishonesty Insurance](https://www.plumhq.com/buy-employee-dishonesty-insurance): Cover for losses caused by dishonest acts of employees. - [Asset Protection Insurance](https://www.plumhq.com/buy-asset-insurance): Cover for business assets, property and equipment. - [Plum Business](https://www.plumhq.com/business): Overview of Plum's commercial insurance lines. ## Research and reports - [DataLabs by Plum](https://www.plumhq.com/datalabs): Plum's data journalism on what health conditions cost families in India, built from de-identified health insurance claims. Map for AI assistants: https://www.plumhq.com/datalabs/llms.txt. Every edition as Markdown in one file: https://www.plumhq.com/datalabs/llms-full.txt - [The Cost of Cancer](https://www.plumhq.com/datalabs/cancer): DataLabs analysis of 8,102 cancer-related insurance claims from 2,446 patients across multiple insurers: what treatment costs, how much insurance pays and what patients pay themselves by cancer type, with claims by age, gender and treatment modality. Full edition as Markdown, with the data behind every chart: https://www.plumhq.com/datalabs/cancer.md - [Investigating Heart Disease](https://www.plumhq.com/datalabs/heart-health): DataLabs analysis of 9,534 heart-related claims from 7,402 patients in Plum's health insurance data: the burden of heart disease against other non-communicable diseases, claims by condition, age and gender, costs by condition and severity, and early risk from health checkup data. Full edition as Markdown, with the data behind every chart: https://www.plumhq.com/datalabs/heart-health.md - [The Standard of Employee Benefits 2026–27](https://www.plumhq.com/standard-of-employee-benefits): Plum's annual benchmark of employee health benefits in India (formerly the State of Employee Benefits), drawn from 15,312 benefit plans, 5,20,100 claims and 74,543 health checkups, FY22–FY26: how funded startups, Indian businesses and MNCs/GCCs invest in insurance, healthcare and preventive care. Full report as Markdown, with every chart and benchmark as a table: https://www.plumhq.com/standard-of-employee-benefits/index.md. Summary: https://www.plumhq.com/standard-of-employee-benefits/llms.txt - [The India Employee Benefits Stack](https://www.plumhq.com/india-benefits-stack): Plum's guide for multinational companies setting up in India: statutory benefits (EPF, ESI, gratuity, maternity), group health and business insurance, tax and CTC under the 2025 Labour Codes, with guides for companies from 22 home countries (including the US, UK, Japan, Germany, Singapore and the UAE) that map home-country benefits and social security agreements to India. By Akshay Golechha, Chief Business Officer. Map for AI assistants: https://www.plumhq.com/india-benefits-stack/llms.txt. Full guide as Markdown: https://www.plumhq.com/india-benefits-stack/index.md - [Employee Health Report 2025](https://www.plumhq.com/employee-health-report-2025): Research on the Indian corporate employee's relationship with health and the workplace. - [Benefits Beyond Borders](https://www.plumhq.com/benefits-beyond-borders): Report on how multinational employers structure benefits for their India teams. - [Diversity and Inclusion Report](https://www.plumhq.com/inclusion): Plum's report on inclusive benefits and workplace diversity. ## Resources - [Blog](https://www.plumhq.com/blog): Articles on group insurance, claims, compliance and employee benefits in India. - [Case studies](https://www.plumhq.com/case-study): Customer stories with measured outcomes, including WeWork India (86% claims CSAT). - [Resources library](https://www.plumhq.com/resources): E-books, guides, templates and calculators for HR and benefits teams. - [Autumn 2025 release](https://www.plumhq.com/autumn-2025): Latest Plum product release notes. ## Company - [About Plum](https://www.plumhq.com/about): Mission, team and company story. - [Careers](https://www.plumhq.com/careers): Open roles at Plum. - [Newsroom](https://www.plumhq.com/newsroom): Company news and announcements. - [ESOP's Fables](https://www.plumhq.com/esops-fables): Children's stories inspired by the modern workplace. ## Get in touch - [Get a quote](https://www.plumhq.com/get-quote): Request pricing for group insurance. - [Talk to an expert](https://www.plumhq.com/talk-to-an-expert): Speak to a Plum benefits advisor. - [Book a demo](https://www.plumhq.com/book-a-demo): See the Plum admin and employee platform. - [Support](https://www.plumhq.com/support): Help for employees and HR admins. - Sales enquiries: connect@plumhq.com - Press and media enquiries: media@plumhq.com ## Legal - [Terms and Conditions](https://www.plumhq.com/terms-and-conditions) - [Privacy Policy](https://www.plumhq.com/privacy-policy) - [Disclaimer](https://www.plumhq.com/disclaimer) - [Grievance redressal](https://www.plumhq.com/grievances)