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Do I need a personal health insurance cover?

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29 Aug, 2020 by  Bhaskar Choudhary

I am 29 years old and single working in a Nationalised Bank, do I need to buy a separate Health Insurance for myself?

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Health Insurance

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30 Aug, 2020

Do you need someone else to control the quality of healthcare you get?

What if tomorrow your organization says they will pay for your clothes, or your mobile phone - will you wear clothes of their choice?


1) Healthcare is as personal as your clothes or your smartphone. You shouldn't depend on them. If I am the CFO of your bank, I will be less concerned about your healthcare needs and more about the company's budgets.


2) Apart from this, having a personal health insurance helps when you are in between jobs, or work in a startup that doesn't yet provide a cover.


3) Lastly, you should buy a health insurance for your 50s and you should buy it when you are young, so that there are lesser restrictions/limits and better coverage.


Hope this helps!


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28 Mar, 2021
Sambaran Mitra

Yes.

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08 May, 2021

All IBA Member Banks have a Group Mediclaim Policy for its permanent employees. Kindly check with your employer for the limit of Sum Insured & If any additional cover required then you can take separately.

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