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Everything you need to make the call with confidence

Readiness scorecard

A 24-point self-assessment across team readiness, hiring signals, internal risk, and cost awareness. Score yourself and know exactly where you stand.

How to use your score

A four-tier framework that translates your total score into a clear recommendation on timing so you know whether to act now, prepare ahead, or revisit later.

Founder's checklist

What your plan should get right — from sum insured and waiting periods to dependent coverage and long-term scalability.

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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

Figuring out when benefits should enter the picture

Scaling startups

Hiring fast and fielding questions about health coverage

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

HR & People leads

Building the case internally for a structured benefits programme

SMB operators

Running a 30–200 person team without formal health insurance yet

The right time is the one you can act on

Waiting doesn't reduce the cost — it just removes your options. Download the guide, score your readiness, and know exactly what to do next.

Download now