{"id":2742,"date":"2017-04-18T00:00:04","date_gmt":"2017-04-17T18:30:04","guid":{"rendered":"http:\/\/blog.adityabirlahealth.com\/?p=2742"},"modified":"2024-05-13T11:51:48","modified_gmt":"2024-05-13T06:21:48","slug":"6-reasons-why-you-shouldnt-rely-on-just-your-corporate-health-insurance","status":"publish","type":"post","link":"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/2017\/04\/18\/6-reasons-why-you-shouldnt-rely-on-just-your-corporate-health-insurance\/","title":{"rendered":"5 Alterntives To Employer Health Insurance: Reason Why You Can Rely On Just Your Corporate Insurance"},"content":{"rendered":"

Unforeseen circumstances are just that, \u2018unforeseen\u2019. There\u2019s no way to know what is coming, especially when it comes to health or wellbeing, but there\u2019s always a way to be prepared. Most of us who work for an organization feel secure in the knowledge that our corporate health insurance scheme creates a protective shield for us and our dependents viz. your spouse and children.<\/p>\n

\"\"<\/p>\n

That may seem like it’s good enough, but what if your company\u2019s health insurance is suddenly unavailable when you need it the most? If you\u2019re wondering how that\u2019s possible, allow us to elaborate.<\/p>\n

1. When you\u2019re between jobs<\/strong><\/h2>\n

These days people change jobs quite often and start-ups come and go all the time, creating a flux in the workforce. The well-paying job which had several perks including a robust health insurance package<\/a> can suddenly disappear. In a situation where you\u2019re between jobs and an \u2018unforeseen\u2019 health issue comes up you\u2019re going to need coverage to avoid those bills etc.<\/p>\n

\"dont-relay-only-on-corp-insurance-hospital\"<\/p>\n

2. Low coverage<\/strong><\/h2>\n

Have you ever wondered whether the health insurance coverage offered by your company is enough? If something should happen to a family member you might want to admit them to one of the better hospitals in your area. It\u2019s also possible that the procedures may be costly. In these contexts, the health insurance coverage offered by your company could fall woefully short.<\/p>\n

3. Procedures covered<\/strong><\/h2>\n

In some cases, not all, your corporate health cover may not cover certain procedures that you or a family member may require. This could be a big problem. Some policies may also have a specific list or hospitals that they work with which may not work for you because of costs or proximity.\u00a0<\/strong><\/p>\n

4. Coverage post-retirement<\/strong><\/h2>\n

If you\u2019re the only breadwinner in your family and you intend to retire around 50 or 60; you\u2019re going to want to invest in a health insurance policy that\u2019s independent of your company\u2019s offering. This is because buying health insurance gets costlier as one gets older and pre-existing illnesses might not get covered.<\/p>\n

\"dont-relay-only-on-corp-insurance-coverage\"<\/p>\n

5. Changes in terms and conditions<\/strong><\/h2>\n

Health insurance <\/strong>is a perk offered by companies to its employees; it\u2019s not a right. Therefore they can change the terms and conditions overnight if they wish to reduce expenses. If a close family member is undergoing treatment at the same time this would result in a difficult situation for you.<\/p>\n

Of course, the most important reason why you ought to consider your own health insurance is for the simple reason that your parents and siblings are not covered by most corporate insurance plans. It pays to have an independent insurance plan like a Family Floater <\/strong><\/a>so that your household is assured of protection when required. Therefore, it\u2019s imperative you don\u2019t rely on your company\u2019s plan for your family\u2019s health care.<\/p>\n","protected":false},"excerpt":{"rendered":"

Unforeseen circumstances are just that, \u2018unforeseen\u2019. There\u2019s no way to know what is coming, especially…<\/p>\n","protected":false},"author":12,"featured_media":2745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8,4243],"tags":[],"class_list":["post-2742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-conditions","category-self-care"],"acf":[],"yoast_head":"\n5 Alternatives To Employer Health Insurance<\/title>\n<meta name=\"description\" content=\"There\u2019s no way to know what is coming, especially when it comes to health or wellbeing, but there\u2019s always a way to be prepared. Here are 5 alternatives to employer health insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/2017\/04\/18\/6-reasons-why-you-shouldnt-rely-on-just-your-corporate-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Alternatives To Employer Health Insurance\" \/>\n<meta property=\"og:description\" content=\"There\u2019s no way to know what is coming, especially when it comes to health or wellbeing, but there\u2019s always a way to be prepared. Here are 5 alternatives to employer health insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/2017\/04\/18\/6-reasons-why-you-shouldnt-rely-on-just-your-corporate-health-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ACTIV LIVING COMMUNITY\" \/>\n<meta property=\"article:published_time\" content=\"2017-04-17T18:30:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-13T06:21:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/wp-content\/uploads\/2017\/04\/dont-relay-only-on-corp-insurance-header.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sham S\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sham S\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 Alternatives To Employer Health Insurance","description":"There\u2019s no way to know what is coming, especially when it comes to health or wellbeing, but there\u2019s always a way to be prepared. 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