BANGALORE: Most of the salaried professionals rejoice thinking that the provided insurance covers from the employers are of great benefit and enough for lifetime. The employer’s medical cover seemed to be fine until you thought to change your job, extend your family or admitted to a hospital with blaring bills. In the current scenario, the health benefits provided by the employer are not sufficient to help you in long run. It’s important to have a personal medical insurance along with the insurance provided by your employer to be more secured and relaxed. Let us have a look at the various boosting covers for your medical insurance provided by the company.

Senior Citizen plans: 'Make hay when sun shines', this aptly goes with the benefits of the medical insurances as well. Opting for a medical cover in the old age will cost you more interest rates, higher premiums and with fewer benefits associated. Employers are cutting down on benefits given to the employees’ parents with partial or full withdrawal of covering them under health policies through companies. According to insurance broking firm, Marsh India, only 36 percent of employers fully funds the parents’ premium.

Buy independent covers: An independent cover policy has more visual benefits than the group covers provided by the employers. Independent health policy will help you when you are working on the plan to change the job. It will help you make up for any shortage in money coverage provided by your insurance, and will also be helpful in case your policy claim goes beyond the 3-5 lakh limit, which is the typical sum under the group insurance policies provided by employers. When you opt for independent covers, you can retain the continuity of benefits, including the pre-existing disease cover from the earlier policy.

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