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Most big corporations and businesses offer their employees a group health insurance plan, which covers a large percentage of medical expenses including hospitalisations. Most professionals might think that should protect them from unforeseen medical expenses. However, the need of the hour is to prioritise personal healthcare. With unprecedented medical crises come unpredictable hospital expenses that can quickly pile up and drain off your savings faster than you can imagine. And that’s the main reason most of us shouldn’t depend solely on the health insurance provided by our employer. While these policies are helpful some of them might come with loopholes that appear only when you are starting at a fat bill. These group insurance policies fall short and might disappoint you on the following fronts.
Top it up: A top-up plan can be a saviour. It increases your health insurance cover after the threshold limit is crossed. Top-up plans make more sense as you and your family members age and your medical expenses grow, but it’s most pertinent in the current scenario. COVID-19 is sparing no one and medical expenses can become overwhelming, especially when the entire family is hit.
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