Your employer's group policy is useful, but relying on it alone can leave your family exposed when you need cover the most.
Medical costs in India keep rising every year. A single hospitalisation can wipe out years of savings. Many salaried people assume their office group health cover is enough. Here is why it usually is not.
The problems with relying only on group cover
- It ends when your job ends. Change jobs, retire or take a break, and the cover stops, often when you are older and need it most.
- The cover amount is often small compared with the cost of serious treatment today.
- Buying later costs more. Premiums rise with age, and new health conditions may come with waiting periods or exclusions.
What to look for in a personal health policy
- A family floater covering spouse, children and, if possible, parents separately.
- A sum insured that matches hospital costs in your city.
- A cashless hospital network near your home.
- Clear terms on room rent limits, co-payment and waiting periods.
- A restoration benefit that refills your cover if it gets used up.
We compare policies from leading health insurers and help you choose the right one, and we stand with you at claim time. Get a health insurance quote.