Employee money guide

Corporate vs Personal Health Insurance

Understand the difference between employer health insurance and personal health insurance for Indian employees.

Direct Answer

Corporate health insurance is useful, but it is linked to your employment. Personal health insurance can continue after job changes and can protect your family beyond workplace cover.

Key Takeaways

Corporate cover may end when you leave a company.
Personal cover gives continuity.
Check waiting periods, exclusions, limits, and family needs.

Why corporate cover is not enough

Employer cover can be valuable, but benefits, limits, and continuity depend on company policy.

When to consider personal cover

Consider personal cover when you have dependents, health history, job-change risk, or inadequate corporate limits.

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FAQs

What happens to corporate insurance after resignation?

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In many cases, employer cover ends after you leave. Check your company policy and insurer terms.

Reviewed by the Saventh Financial Literacy Team. Educational information for Indian employees — not personalised advice. Mutual fund investments are subject to market risk. Saventh AMFI ARN 324457.

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