When we get health insurance from the office, we do not take personal health insurance. Actually, we completely depend on Corporate Health Insurance. We should not do this at all. We should take our personal health insurance along with corporate health insurance. In this article, we will tell you why personal health insurance is so important.
Health insurance has become very important. Seeing its importance, now even the office provides health insurance to its employees. The health insurance provided by the company is called corporate health insurance. People who have corporate health insurance do not like to take personal health insurance. They believe that when the office people have provided insurance, then why should they take separate health insurance.
This is completely wrong. Even if you have corporate health insurance, you should still take personal health insurance. This is financially quite correct. We will tell you below why you should take personal health insurance along with corporate health insurance.
Why is personal health insurance necessary?
Many serious diseases cost lakhs of rupees for treatment. For example, many people have spent lakhs of rupees for the treatment of Covid-19. In such a situation, personal health insurance is more helpful because its sum assured is higher than corporate insurance.
There is no benefit of no-claim bonus in corporate insurance. However, if an employee takes personal insurance along with corporate insurance, then he gets the benefit of no-claim bonus. This bonus helps in reducing the payment of the next premium.
When you change jobs, corporate insurance also changes. In such a situation, if you have personal health insurance, then there is no problem of coverage. Many companies cover all diseases after a certain time. Therefore, financial experts advise that along with the job, one should have personal health insurance. Personal insurance has to be renewed every year and its benefits are available for life.
