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Do i need to buy health insurance if my company is already providing me with one?

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05 Feb, 2022 by  Shweta Dadhich

Do i need to buy health insurance if my company is already providing me with one?

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Health Insurance

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06 Feb, 2022
Rabindranath Prithvi

There is an article at Beshak for this.

Please read.


Things to consider:

Is the coverage provided enough?

Is it life long?

Is it easy to avail personal insurance after retirement?

Any preexisting illness?

Any family history?


One main thing to consider is if you plan to take personal insurance after retirement and if you have any illness of concern at that time, most likely you will not get it.


How sure one could be that he/she would be fit and healthy at the time retirement?


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08 Feb, 2022
Chartered Accountant, Personal Finance Advisor

Hi Shweta,


There are lot of factors which have to be considered to decide whether the Employer cover is sufficient to take care of any unexpected health emergency.


Most of them have been discussed in the article link shared by Mr. Rabindranath. Request you to please read the article for your understanding of why it is better to have a health insurance cover outside office.


If I have to put it in simple terms I will say better to buy one.

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08 Feb, 2022
CEO, Insurance Samadhan

Dear shweta

It is like a rented house . You use it till you you are an employee. The day you leave your job, your insurance terminates.

Just imagine, if an employee gets a major disease, how many employer would keep an employee for more than an year.

I advise everyone to buy a super Top up with deductible of Rs 5 lakh so that they have self owned insurance in case they leave the job . This will not cost more than Rs 10000 per annum .

So buy super Top up .

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