Employer-provided health insurance is convenient, but it is linked to your job
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Purchasing a personal health policy later in life can also become challenging due to advancing age, medical history, pre-existing conditions, and strict underwriting decisions that impact availability and premium costs.

Watch | Health insurance: Do salaried employees need personal cover as well?

Primary risk associated with employer-provided health insurance is it remains strictly tied to job. If you quit or face job loss, your coverage ends too


For many salaried employees, employer-provided health insurance is a workplace benefit they rarely question, but relying solely on corporate coverage may leave families financially vulnerable during medical emergencies. According to Hansa Research’s Health Insurance CuES 2026 report, 32 per cent of consumers use additional policies to address gaps in corporate insurance, highlighting a growing shift toward securing independent personal coverage.

The primary risk associated with employer-provided health insurance is that it remains strictly tied to employment. If an employee resigns, switches jobs, or faces job loss, their corporate coverage ends immediately, potentially leaving them without protection when they need it most. What should you do to keep you and your family safe?

Watch the full video to know more.


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