Intake Validator

Pick a case. The ratios, ICR, flags and insurer panel below are computed from real Plum warehouse rows against a rules table with provenance — not hardcoded thresholds.

Case

Thermon India Private Limited

health 35

Segment: MM-BRONZE
Active employees (reported): 159
Next renewal: 2026-10-01
GMC insurer: Max Bupa

Census & family structure

Employees (self): 144
Spouses: 81
Kids: 99
Parents: 0
Parents-in-law: 0

Parental ratio

No parent or parent-in-law rows observed in the census — this reads as an ESC (no parental benefit) design, so the parental-ratio rule is out of scope, not violated.

Source: Harsh, 2026-08-21

Dependents ratio

1.25threshold 0.3, warn only

Numerator (spouses + kids): 180
Denominator (all employees): 144
Status: within range

ICR

Numerator (settled paid + outstanding claimed): ₹13,43,480
Denominator (premium): ₹14,40,000
Premium source: estimated 2pct si

NA — only a rough 2%-of-sum-insured premium estimate exists for this policy, and the resulting ratio reads above the ideal band. Not confident enough to show a specific number; confirm the real premium before quoting.

Flags (0)

No flags on this case.

Recommended insurer panel

Parental ratio isn't a factor here, so each ICR band's full list applies as-is.

If low ICR

BajajICICI LombardCare HealthManipal CignaTATA AIG

If high ICR

Niva BupaTATA AIGCare Health