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Smooth and seamless as a summer breeze
We believed the only way to change this was to build the best possible experience. It’s what we’ve focused on since day one. After six years of consistent investment and improvement, we believe Plum delivers one of the best in the world.
See it in action.
Building the best claims experience in the world
Your doctor recommends a minor procedure requiring a week's admission, and suggests you get pre-authorisation approved.
Pre-authorization lets your insurer review the treatment in advance, so you don’t have to pay daily hospital expenses out of pocket.
Handling paperwork & Filling
TIME SAVED WITH PLUM
You hunt for your policy document, health card, and network hospital details, then attempt to complete paperwork with no clarity.
Takes you 3 hrs.
You raise a cashless request on the app, get a call from our support team, and complete basic admission forms. We guide you through the rest.
Takes you 45 mins.
Waiting for approval
TIME SAVED WITH PLUM
The hospital notifies the insurer, but no one follows up. The day ends before pre-auth comes through — you pay for your first day out of pocket.
Pre-auth is approved after seven hours.
Takes you 7 hrs.
As you settle into your room, the Plum team notifies the insurer, coordinates with the hospital, and expedites the process.
Pre-auth is approved within the hour.
Takes you 1 hr 45 mins.
You spend a week in the hospital. After morning rounds, your doctor okays discharge. You plan to leave after lunch.
Final
paperwork
TIME SAVED WITH PLUM
The hospital sends your claim details to the insurer and awaits their response.
Takes you 30 minutes.
You notify Plum Care. They work with the hospital to upload all documents and follow up with the insurer.
Takes you 10 minutes.
Insurer queries
& clarifications
TIME SAVED WITH PLUM
The insurer seeks clarifications from the hospital. The person at the desk misses the email. An hour later, you check in yourself.
They read it and begin preparing a response.
2 hrs gone.
The insurer seeks clarifications. Plum's Claims Router flags the query and initiates a conversation between hospital and insurer. A team member calls to tell you they're on it.
15 mins, tops.
Handling paperwork & Filling
TIME SAVED WITH PLUM
The insurer approves your claim an hour later. You close your account at the desk — four hours since discharge approval.
You get home hoping you didn’t miss dinner
Takes you 4 hrs 30 minutes.
As you receive medication instructions, your claim gets approved. Formalities done in under an hour.
You're home for your post-lunch siesta.
Takes you <50 minutes.
You're back home, recovering well. You have bills from post-hospitalisation procedures you'd like to reimburse.
Notifying the insurer and uploading documents
TIME SAVED WITH PLUM
After emailing the insurer and waiting a day for access, you spend hours gathering, scanning, and uploading bills one by one.
Takes you 1 day 6 hrs.
You open the Plum app, raise a reimbursement claim, scan and upload documents using your phone, and submit. Done in under 30 minutes.
Takes you <30 minutes.
Finding and fixing errors
TIME SAVED WITH PLUM
You discover a spelling error a week later. Fix and reupload. Another week before you learn about a missing scan.
Two hospital trips, two weeks lost.
15 days gone.
Before you hit submit, you're informed of two errors — a spelling mismatch between the form and your Aadhaar card, and a missing scan.
One hospital visit the next day, and done.
Takes you 1 day 6 hrs.
Contesting a rejected claim
TIME SAVED WITH PLUM
The insurer sends a rejection. After 3 follow-ups and an angry phone call, you learn the reason — and are advised to get a no-objection letter from your doctor.
You plan to go the following week.
Takes you 25 days.
The insurer rejects your claim — treatment was 'not necessary'.
The Plum team is notified, lets you know, and reassures you they're contesting it.
Takes you 2 days.
Bank verification
TIME SAVED WITH PLUM
You hunt for your policy document, health card, and network hospital details, then attempt to complete paperwork with no clarity.
Takes you 3 hrs.
You hunt for your policy document, health card, and network hospital details, then attempt to complete paperwork with no clarity.
Takes you 3 hrs.
You receive
your money
TIME SAVED WITH PLUM
You hunt for your policy document, health card, and network hospital details, then attempt to complete paperwork with no clarity.
Takes you 3 hrs.
You hunt for your policy document, health card, and network hospital details, then attempt to complete paperwork with no clarity.
Takes you 3 hrs.
Cashless claims on Plum take half the time to get resolved. Reimbursement claims are closed 10x faster. All with a Claims NPS of 79, the highest in the world.*
It still takes the industry a few hours today.
The industry benchmark is <20%
We ensure fair payouts. ₹10Cr recovered from denied claims last year.
We’ve made the experience so good that 1 in 5 people raise claims for out-of-pocket expenses as low as INR 5000.
The fastest end-to-end health insurance claims experience, perhaps on the planet itself.
Only a quarter of the claims we process today require human intervention. Not only does this translate into a seamless experience, but directly impacts the speed of your claim.
We launch ClaimsLens – Bills & Receivables
We launch ClaimsLens – Bills & Receivables
We launch ClaimsLens – Bills & Receivables
This is precisely why the biggest team at Plum is not our product or sales teams, but our ‘care’ team.
