Plum

Cashless discharge sometimes possible within 20 minutes; paperless processes with a 24/7 helpline

B2B2C model that partners with small businesses to provide health insurance coverage to employees and their family members, charging as little as $1 a month for an employee

Telehealth consultations, health checkups, wellness programs, mental health support and care coordination alongside group health, term life and personal accident insurance

High-performance tech with seamless integrations, an amazing employee app, and industry-leading NPS

Customizable plans backed by expert consultations, hassle-free onboarding and incredible claims experience

Scalable and secure tech coupled with world-class service to ensure large teams are well taken care of

Before a company signs up, a dedicated Plum consultant benchmarks its existing policy against industry peers and customizes a plan — an assisted-selling relationship rather than a self-serve quote tool.

Enterprise and MNC clients are assigned a dedicated account manager for the ongoing relationship, with leadership-level escalation available if issues need resolving.

Plum backs policyholders with an in-house claims and care team of 200+ specialists reachable via a 24/7 helpline, giving employees direct human help with claims rather than routing through HR or the insurer.

For simple questions, employees can self-serve by chatting with PolicyGPT, an in-app AI assistant for instant policy and coverage answers, built into the employee mobile app.

Employers manage benefits via a digital dashboard while employees access coverage and claims through a mobile app

Integrated APIs with top insurers and HRIS tools further enhance workflow efficiency

Processing cashless and reimbursement health-insurance claims is a core daily activity — cashless hospital discharge can be completed in as little as 20 minutes, and reimbursement claims that used to take over six months now settle within about a week.

As an IRDAI-registered Direct Broker, Plum's team benchmarks and designs group health, term life and personal accident policies for client companies and places them with partner insurers rather than being tied to a single carrier.

Plum's engineering team built its insurance stack from scratch — the employee app, HR admin dashboard, and insurer/HRIS API integrations — instead of running policy administration through a manual servicing team.

Beyond insurance, Plum's team runs direct care services — 24/7 doctor teleconsultations with instant e-prescriptions, annual health checkups and corporate health camps, and mental health support — as an ongoing activity alongside claims and policy administration.

Plum operates as an IRDAI-registered Direct Broker (Life & General), Registration No. 897 — a license upgraded from a Corporate Agent registration that removed the prior INR 5 crore sum-insured cap and lets Plum select insurance partners and product lines more freely.

Plum built its own insurance-administration stack in-house — including a live claims tracker, HRIS integrations, bulk employee upload, and a 'Smart Report Engine' — which the company says cuts HR admin time by 60%.

Plum holds ISO/IEC 27001:2013, SOC 2 Type 2, and GDPR certifications — intangible compliance resources used to reassure enterprise and MNC buyers on data security.

Plum maintains partnerships with ICICI Lombard, Care Health, Star Health and New India Assurance.

Bangalore-based Razorpay has also partnered with Plum to give the fintech startup's clients a three-click, one-minute option to sign up for insurance coverage.

Plum offers health insurance coverage on a B2B2C model. The startup partners with small businesses to provide health insurance coverage to all their employees (and their family members), charging as little as $1 a month for an employee.