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Why startups can offer MNC-level benefits sooner, and for less, than you think.

The real cost gap

The delta between a competitive startup plan and an MNC-equivalent plan is typically 15–25% — not 100%. This section puts both numbers on paper so you can take them into your next CFO conversation.

A dimension-by-dimension comparison

Seven things MNCs are known for, scored against what a well-designed startup programme can match on day one — and what requires staging.

The phased path to parity

A three-stage framework — Foundational, Competitive, Parity — with the layers that belong at each stage and the triggers that move you to the next one.

WHY PLUM

Built for companies that take their people seriously

Plum has helped thousands of companies — from seed-stage startups to India's most recognised brands — set up health programmes their teams actually use. Most are live within a week.

We Help You Build the Best Policy

With Plum, building a customised group health insurance plan is simple and strategic

Is this guide right for you?

Early-stage founders

Founders who assume MNC-level benefits are out of reach on their current budget

Scaling startups

Scaling startups where candidates are starting to compare offers against MNC packages

People with colorful umbrellas walking on wet stone pavement near traditional architecture in a rainy, misty setting.

HR & People leads

HR and People leads building the case internally for a structured upgrade

CFOs

CFOs who need verifiable numbers before approving a benefits increase

The gap is smaller than you think. The window to close it cheaply is now.

Medical inflation runs 12–14% annually. Every year you wait, your team gets older and premiums go up. Download the guide, run the inventory, and know exactly what to fix first.

Download now