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 take personal health insurance. It is financially very correct. We will tell you below why you should take personal health insurance along with corporate health insurance.

Personal and corporate insurance are necessary for financial security and risk management. Personal health insurance protects the policyholder and families from unexpected risks. Apart from this, it ensures mental peace and stability at the time of risk. On the other hand, corporate insurance protects against potential financial losses. It acts like a security web in a way. There are many such conditions it which the employee does not pay attention to and due to these conditions, the employee does not get coverage at the time of need.

Why is personal health insurance necessary?

Many serious diseases cost lakhs of rupees to treat. 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 more than corporate insurance.

There is no benefit of a no-claim bonus in corporate insurance. On the other hand, if an employee takes personal insurance along with corporate insurance, then he gets the benefit of a no-claim bonus. This bonus helps in reducing the payment of the next premium.

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