I like Plum because it offers low premium rates and high insured amounts, which are applicable to both employees and family parental coverage. The app facility is really useful, as it makes understanding and using medical services much easier for employees. I appreciate that employees can increase the insured amount through extra premium deductions from salary. I also value the parental insurance and top-up enrollment process, along with the multiple ways to connect with Plum like chat, email, and emergency toll-free calls. The 24-hour service availability is great. The digital ID card, fast claim process, and cashless approval make everything quite easy, especially with the multiple hospitals tagged with this insurance company. What's really impressive is that the collaboration with ICICI Lombard has cut the admin load, improved emergency response times, and provided us with new data insights. Employee experience is prioritized over everything, and tools like the app, WhatsApp support, and claims guidance are made for real employees, not just HR. Biometric access, offline health cards, and 24/7 claim help really reduce stress during hospitalizations. These reasons, along with the positive employee NPS, make us want to stick with Plum. Review collected by and hosted on G2.com.

I would like deeper claim status granularity in the app and more proactive alerts on policy sub-limits. Faster e-card updates for mid-term additions and more self-serve analytics for HR would be great. Expanding the regional hospital network visibility could really help, as the ICICI Lombard network is wide but in tier 2/3 towns employees sometimes struggle to identify which hospital is truly cashless. A Plum verified cashless badge or recent rate at that hospital would add confidence. Review collected by and hosted on G2.com.