Health Insurance covers which comes as a part of your CTC while joining a new employer may look like a sweet deal for you but do you think that is enough for your requirements? The primary requirement why you need a health cover is to cover you and your dependants in case of medical emergency. The rising cost of medication and medical services makes health insurance an important part of your portfolio to manage risks associated with health and the right amount of coverage is the primary requirement so that you don’t have to shed money out of your pocket when requirement arises. This is one of the main reasons why employer health plans are just not the end solution to your requirement and you should always look at an independent plans may be a separate floater plan for your family to suffice the left out requirement.
Looking at the loopholes of Employer group health insurance Plans independent health insurance always needs to be planned in advance. To check out few:
Looking at shortcomings of a Buy Best Health Insurance Plans , the coverage under the employer’s plan is just not enough for you. You should always plan your health insurance keeping in view the total requirement of family and if you are individual think that way. Your family health history, lifestyle you lead or the type of profession you are into should be the governing factor in deciding the amount of cover your require. Since the employer health plans are effective till the date of employment so having an independent cover is always mandatory. Another important point to be taken into that consideration is cover for your dependent parents though your employer policy may be covering them but looking at the old age you should always look at an independent senior citizen cover.
So plan your total health insurance accordingly and don’t just depend on employer group plan. Always try and does an effective research online and Compare Health Insurance Policies Online buying your independent plans other than the employer plans so get the best out of the money that you would pay as premium.