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Lives covered with Plum

Businesses covered

Growth YoY

3,000+

4,00,000+

10x

Plum is a modern

employee insurance and health benefits platform

We make everything from purchasing comprehensive insurance to availing of health benefits easy for admins & employees.

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Comprehensive

Health Benefits

From preventive care to emergency treatment, we've got you covered.

Fully Digital �Experiences

�No paper cuts. No trips to the print shop. �Mobile-first experiences to make your life easier.

Superior Support & Claims Experience

Filing claims might be boring, but we’re here to make it easy & human.

Modern Employee Health Benefits & Insurance

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No more waiting for your HR: All your benefits in one place, without the jargon. �
Instant, shareable health cards: Don’t have to worry about searching for your health card anymore.�
No need to memorize your policy details: we'll help you understand what's covered and what isn't.

The most

user friendly

experiences

for everyone

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Agenda

To help you be insurance-ready in an emergency

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Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

Click the ‘Download Health Card’ tile in the homepage of your Plum dashboard

Downloadable health cards, easy to share

Link to access: https://app.plumhq.com/plans/gmc

Health ID Card

You can get a copy of your health card and other family members covered in your policy

Share your family's health cards with them so they have access to medical care during emergencies.

Please note: You'll be unable to download your health card if it has not been generated yet.

In case of emergency, please chat with us via the support widget on your Plum dashboard or reach out to us by clicking the "Use my insurance" button.

🚨Fire-drill #1

Get the Plum mobile app, download your health card, share with a family member

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Scan the QR code

Or use the link: http://plumhq.app.link/

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

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Tap on the Benefits tab on the navigation bar of your Plum app. Here you will see all your insurance and health benefits

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Tap on the health insurance benefits card

Scroll down to the ‘Who’s covered’ section and choose between yourself or your family members

Step 1

Step 2

Step 3

Step 4

Scroll down and use the download/share options to get your health cards

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Navigating the Plum mobile app—overview

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Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Caims and health benefits, at your fingertips

Know what’s covered and what’s not, without the jargon

Get everything you need in one place

No more 20-page policy documents

Easy-to-access

health cards

No more hunting for health cards. Yours and yours dependents’ health cards, on the app

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Health Insurance

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Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

Click the ‘Download Health Card’ tile in the homepage of your Plum dashboard

Downloadable health cards, easy to share

Link to access: https://app.plumhq.com/plans/gmc

Health ID Card

You can get a copy of your health card and other family members covered in your policy

Share your family's health cards with them so they have access to medical care during emergencies.

Please note: You'll be unable to download your health card if it has not been generated yet.

In case of emergency, please chat with us via the support widget on your Plum dashboard or reach out to us by clicking the "Use my insurance" button.

🚨Fire-drill #2

Learn what’s covered and what’s not covered by your policy

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Your sum insured — coverage amount for everyone covered in your insurance plan

Your policy highlights - what's included and what’s not, in simple English

All you need to know about your policy

Health Insurance

Access to an assisted claims experience from an in-house doctor-led claims team at Plum

Download health cards for everyone covered in the plan

Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

Access network hospitals near you to avail cashless claims and the list of blacklisted hospitals where your claims will not be honoured by your insurer

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We simplified a 20-page health insurance policy so you can

understand your benefits,�
make informed decision and, �
reduce out of pocket expenses.�

Please note: The policy highlights cover common use cases. We always recommend consulting with a Plum Support associate to fully understand the policy details & T&Cs.�

You can chat with a support agent via the support widget on your Plum mobile app..

Jargon-free breakdown of your health insurance

What’s covered & what’s not covered

Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

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Accident Insurance

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In the unfortunate event of an accident, your sum insured will cover healthcare costs and provide other benefits.

Inclusions and exclusions in your accident insurance policy, simplified so that you exactly know the benefits you can receive.

Financial security in case of accidents

Accident Insurance

Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

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Your guide to

claims

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Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

Click the ‘Download Health Card’ tile in the homepage of your Plum dashboard

Downloadable health cards, easy to share

Link to access: https://app.plumhq.com/plans/gmc

Health ID Card

You can get a copy of your health card and other family members covered in your policy

Share your family's health cards with them so they have access to medical care during emergencies.

Please note: You'll be unable to download your health card if it has not been generated yet.

In case of emergency, please chat with us via the support widget on your Plum dashboard or reach out to us by clicking the "Use my insurance" button.

🚨Fire-drill #3

Find your nearest

network hospital

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From your app home screen, navigate to the ‘Find Cashless hospital’ tab

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Choose the type of insurance policy

Select a city, or allow device permission to locate you and search for your nearest network hospital

Step 1

Step 2

Step 3

Step 4

View your nearest network hospitals. Toggle between a list view and a map view

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Advantage Cashless Claims

Disadvantage Reimbursement Claims

Why you should choose cashless claims over reimbursements

Faster approvals. 90% of cashless approvals typically happen in under 60 minutes.

The right treatment at the right prices, because insurance companies have pre-negotiated rates with hospitals.

Quality control. Insurance companies usually perform quality checks before empanelling a hospital to ensure that they are not engaging in malpractices.

Reduced stress. Arranging for funds and maintaining documentation in an emergency can be a stressful process. Cashless claims take care of this for you.

Support from Plum. Plum’s cashless team is available for you, 24*7*365.

Higher out of pocket expenses. Reimbursement claims typically require upfront payment and incur higher out of pocket expenses leading to financial stress.

Slow, cumbersome and bureaucratic. Reimbursement claim approvals could take up to 30-45 days to settle claims due to document coordination.

Cumbersome documentation. Reimbursement claims require more documentation (example: Bills, receipts, investigation reports, KYC, etc.) and sometimes even require you to send physical copies which can be chaotic.

Partial returns. The insurer could have various reasons because of which they may not reimburse the full amount.

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Cashless Claims (Recommended)

If you're getting treatment at a network hospital, you can avail cashless claim settlements.

Use the Plum app to find the list of network hospital closest to you.

The hospital will send relevant documents to your insurer, who will evaluate and action the claim request based on your policy terms. The insurer will then pay the approved claim amount directly to the hospital.

You will only need to pay any difference between the total bill and approved claim amount (if any). �The difference could be based on the terms of your policy.

Please Note:

The most common reasons for approved claim amount being lesser than the total bill are:

Room-rent limit,
Co-pay and Consumables.

�We urge you to go through the What’s Covered & What’s not covered section on your Plum mobile app for details on these

If your health card hasn’t been generated yet, don’t worry. Raise a claims request through the Plum app and we will assist you with the cashless admission process.

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Navigate to the Claims tab on your Plum mobile app

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Select the Planned cashless option to proceed.

Select the member who's currently hospitalized

Step 1:

Step 2:

Step 3:

Step 4:

Choose the category that applies to your reason for hospitalisation

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Choose the insurance type that applies to your claim

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Enter your treatment details and confirm your treatment

You've been registered for cashless hospitalisation.

Step 5:

Step 6:

Step 7:

Step 8:

And that’s it! You will shortly receive a call from Plum to assist you during the entire duration of your hospitalisation and help you with your claim.

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Reimbursement Claims

If you're getting treatment at a hospital that isn't in your insurer’s network, then you have to submit a reimbursement. Please be advised – your insurer will reject your reimbursement claims if the hospital is blacklisted. You can find the list on the Plum dashboard

Under this option, you'll have to pay for your treatment and hospitalization at the hospital out of pocket.�

You can apply for a reimbursement claim on Plum's app — we'll work with the insurer to evaluate your claim request and pay any approved amounts to your bank account.

Please Note: The most common reasons for approved claim amount being lesser than the total bill are:

Room-rent limit,
Co-pay and Consumables.

We urge you to go through the What’s Covered & What’s not covered section on your Plum mobile app for details on these

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Reimbursement Claims Checklist

Claim form duly filled and signed with employee code of the claimant/employee on it�
Original main hospital bill with break-up of medicines etc.�
Original payment receipt from hospital.�
Original investigation/lab reports & Original discharge summary�
Implants sticker/invoice (stents, cataract lens etc)�
Advice from treating doctor for the medicines purchased /tests done outside the hospital during hospitalization period�
Doctor’s prescriptions mentioning the commencement period of problem/illness�
Pre & post hospitalization bills supported with prescription /advice of treating doctor�
Medical legal certificate and/or FIR for accident cases�
Claims form with account NEFT details & cancelled cheque

Please note: If you are covered by Star Health, Bajaj Allianz, Oriental, Aditya Birla Health Insurance and/or New India Assurance, physical documentation is required to release payments. We request you to keep all your physical documents handy to make your claims experience seamless.

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List of insurers requiring physical documentation

If you are covered by the following insurers:

Star Health
Bajaj Allianz
Oriental
Aditya Birla Health Insurance
New India Assurance

Physical documentation is required to release payments. We request you to keep all your physical documents handy to make your claims experience seamless.

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Navigate to the Claims tab on your Plum mobile app

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Choose the Reimbursement option to proceed

Select the member you wish to seek reimbursement for

Step 1:

Step 2:

Step 3:

Step 4:

Select the category under which you wish to get reimbursed

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Enter your treatment details

Images used are for illustrative purposes only and do not reflect actual policies & coverages opted by the organisation

Choose the type of insurance applicable to your claim

To complete the reimbursement request, upload all the relevant bills & receipts in the proper sections on this page. Review your details and submit when finished.

Step 5:

Step 6:

Step 7:

Step 8:

We've received your request for reimbursement. You can track the status of your reimbursement claim from the reimbursement claims home on the Plum mobile app.

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Reach out to Plum at 080-4717 0505 (24x7)

Using Plum

in an

Emergency

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What is an emergency

What isn’t an emergency

Using the Plum Emergency helpline

I’m on my way to/at the hospital and need to know what to do next

I’m getting hospitalised in 24 hours

I’ve met with an accident

I’ve been diagnosed with a complication which needs immediate hospitalisation/medical assistance

I’ve initiated an emergency claim without Plum’s assistance and claim has seen no progress

I need to get hospitalised/need medical assistance and my health card hasn’t been generated yet on my Plum app/dashboard

I have a treatment planned in a week’s time and I need to know my policy covers my treatment

I need an update on my reimbursement claim status

I’m not getting hospitalised/not in need of assistance, I just want to know if a treatment is covered or not

I want to know how to initiate a reimbursement claim

I’m not getting hospitalised/not in need of assistance, I just want to download my health card and I can’t find it on my Plum app/dashboard

I’d like to learn more about Super top-ups

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Health benefits beyond insurance

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Benefits that help your team and their families stay healthy all the time

Dental Treatment

Vision Checkups

Health Checkups

Medicines

Plum Insure

Plum Health

Plum Wellbeing

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Dental Treatments

Regular dental cleaning and checkup, critical for long term prevention of dental problems

1. Schedule your appointment on the Clove Dental website at a date, time, and location of your choice.
2. You’ll receive a call from the Clove Dental team on your registered number to confirm your appointment.
3. On the day of your appointment, show your Clove Dental benefit card on your mobile app at the clinic to avail your offer

Unlimited Free Dental Consultation
Unlimited Free RVG X rays
Scaling and Polishing (All types - Single/Multiple Sittings): Flat 60% discount
All Dental Procedure: Flat 20% discount (*procedures include Crowns, Bridges, Dentures, Extraction, Filling & RCT)
Implants & Braces: Flat 10% discount

Plum Insure

Plum Health

Plum Wellbeing

How To Use?

What’s Covered

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Vision Checkups

1. On the Plum mobile app, navigate to ‘Benefits’ from the bottom nav bar.

2. Click on the ‘Health Benefits’ tab and scroll down to the health check-up benefit card.

3. Click on the card to reveal your unique code. On the same screen, scroll down and click on ‘Schedule a check-up’ button

4. Use your unique coupon code on the Lenskart website to avail your benefits

Complimentary Benefit

Plum Insure

Plum Health

Plum Wellbeing

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Medicines

1. On the Plum mobile app, navigate to ‘Benefits’ from the bottom nav bar.

2. Click on the ‘Health Benefits’ tab and scroll down to the ‘Discounted medicines’ benefit card.

3. Click on the card to view your offer. On the same screen, scroll down and click on ‘Purchase medicines’ button

4. Use PLUM22 as the code on the 1mg website to avail your benefits

Complimentary Benefit

Plum Insure

Plum Health

Plum Wellbeing

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Health Checkups

Plum Insure

Plum Health

Plum Wellbeing

1. On the Plum mobile app, navigate to ‘Benefits’ from the bottom nav bar.

2. Click on the ‘Health Benefits’ tab and scroll down to the health check-up benefit card.

3. Click on the card to view your offer. On the same screen, scroll down and click on ‘Schedule a check-up’ button

4. Use PLUM15 as the code on Healthians website to avail your benefits

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Weekly Wellness Sessions

Interactive live sessions created with reputed creators on a weekly basis for you and your team

Reputed creators and subject-matter experts

Wide range of topics from mental health and nutrition to financial wellbeing and more

Images used are for illustrative purposes only.

Does not reflect actual policies & coverages opted by the organisation

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Weekly Wellness Sessions

Interactive live sessions created with reputed creators on a weekly basis for you and your team

Wide range of topics from mental health and nutrition to financial wellbeing and more

Easy access to all sessions - current and past here.

Pauls Pujats�Latvian Olympic Athlete, Finalist at Rio 2016

Christy Prior�NZ Snowboarder

Semi-finalist at 2014 WO

Rohil Jethmalani�Yoga and breathwork coach

Lauren Gibbs�Bobsledder, Olympian and Motivational Coach

Jahnavi Sheriff�Professional Dancer and Yoga Expert

Vinita Contractor�Plant-Based Nutrition Expert

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Getting in touch �Reaching Plum Support via phone (emergency), email, & chat

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Have questions & queries?

When you need help, a Plum support member is only a click away.��You can always get in touch with a Plum support member by clicking the chat widget in your Plum mobile app. We respond to chats in less than 5 minutes.

In-App Support via Chat

Want to drop us a line?��You can write to us at care@plumhq.com. We'll get back to you in 1 business hour. Plum support agents are available from 8AM to 11PM on all days.

Email Support

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24/7 Cashless Helpline

We’re there for you around the clock

Our Cashless emergency number is available 24/7 to ensure that no call goes unanswered.

We will guide you through the hospitalisation process, even after the hospital TPA desk is closed.

Save this number in your phone: 080 47170505

Please note:

We request you to call this number only if you have a true emergency.
Otherwise, it would prevent us from giving care to real emergencies.