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Secure your health
with comprehensive coverage
Your health is priceless, and Plum's Personal Health Insurance ensures you and your family are protected during medical emergencies. Designed to complement your lifestyle, our plans provide comprehensive coverage for hospitalizations, treatments, and more.
We’re setting the standard
We’ve sustained high standards. We’ve set new benchmarks. We’re here to stay.
100
k+
Claims processed
6 Lac
+
Lives covered
6000
+
Companies covered
Why Personal Health Insurance?
/01
The value of Personal Health Insurance
- Protects against rising medical expenses and ensures access to quality healthcare.
- Provides financial security during emergencies without depleting savings.
- Includes tax benefits under Section 80D of the Income Tax Act.
/02
How it helps
- Covers hospitalization, pre- and post-hospitalization expenses, and daycare procedures.
- Offers cashless treatment at network hospitals, ensuring peace of mind during medical needs.
- Allows optional riders for critical illness, maternity, and alternative treatments like AYUSH.
/03
Why you should enroll early
- Lower premiums: Younger and healthier individuals pay significantly lower premiums.
- Shorter waiting periods: Early enrollment allows faster coverage for pre-existing conditions.
- Healthier approvals: Secures better coverage with fewer exclusions.
Why choose Plum for Personal Health Insurance?
Plum provides exclusive, industry-leading services tailored for individual needs:
01
Expert guidance you can trust
Our certified advisors work with you to understand your needs and recommend the perfect coverage. No pushy sales, just honest advice.
02
Industry-leading claims support
With an NPS of 81, our claims process sets the gold standard. Experience the same exceptional support that makes us a leader in employee benefits.
03
We're with you every step
From your first consultation to policy issuance, we handle everything. Medical checkups, paperwork, and renewals - consider it done.
04
Coverage that truly protects
We partner exclusively with Tier-1 insurers to offer comprehensive policies that protect you and your family when it matters most.
05
Manage everything in one app
Your insurance shouldn't be complicated. Access, manage, and renew your policies effortlessly through the Plum App.
06
Health benefits that stay with you
Keep accessing premium healthcare services like Telehealth consultations and exclusive partner benefits, even after changing jobs.
How it works
Example
A 35-year-old can secure ₹10 Lakhs coverage for as low as ₹4,000/month, ensuring financial safety during emergencies.
/01
Select your plan
Choose coverage that matches your health and financial needs.
/02
Customize your coverage
Add riders like critical illness, maternity, or AYUSH treatments for enhanced protection.
/03
Activate your policy
Begin enjoying peace of mind with immediate coverage for accidents and other eligible claims.
/04
Claim effortlessly
Use cashless facilities at network hospitals or opt for reimbursement with simple processes.
Frequently
asked questions
What is health insurance?
Health insurance is a policy that provides financial coverage for medical expenses such as hospitalizations, treatments, and post-care.
How does health insurance work?
Insurers either reimburse medical expenses or directly settle bills with hospitals under a cashless system.
Why should I buy health insurance?
- Protects against rising healthcare costs.
- Provides quality care without depleting savings.
- Offers tax benefits under Section 80D.
What is covered under health insurance?
- Hospitalization, pre- and post-hospitalization.
- Daycare procedures like chemotherapy.
- Optional riders like critical illness, maternity, and AYUSH treatments.
Are there waiting periods?
Yes:
- 30 days for new claims.
- 2–4 years for pre-existing conditions.
- 1–2 years for specific treatments.
Can senior citizens get health insurance?
Yes, senior-specific plans are available, though premiums may be higher due to age and health conditions.
Why buy health insurance from Plum?
- Curated plans from top insurers like Max Bupa and Star Health.
- 1:1 expert consultations tailored to your needs.
- Affordable premiums and hassle-free claims support.
