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2.3%First documentWhy Many Indians Still Avoid Health Insurance Despite Medical RiskOpen original ↗
Second documentHealth Insurance Plans: Buy Online @ ₹15.12/Day* | ManipalCignaOpen original ↗
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Is it really worth buying insurance if I am young and healthy?
Yes. Premiums are lowest at younger ages, waiting periods can be served while you are healthy, and life events like marriage, childbirth and parents' healthcare arrive faster than expected.
Why Buying Young Pays Off
Buying young pays off on every front: premiums are generally lower for a healthy young entrant, acceptance is usually simpler, and you begin serving waiting periods immediately, so your full protection is in force long before you are likely to claim.
Reason 6: Already Covered by Employer or Government
A personal plan adds continuity, flexibility and customisation. It does not replace existing coverage - it strengthens it.
Myth: Employer Cover Is Enough
Reality: Employer or group cover is valuable but rarely sufficient on its own. It usually ends when the job does, may be modest for a family’s real needs, and is not tailored to you. A personal plan is portable, customisable, and continuous.
Can I rely only on my employer's health insurance?
Employer cover is a strong base but it ends when the job ends. A personal plan adds portability and continuity, especially across job changes.
Myth: Employer Cover Is Enough
Reality: Employer or group cover is valuable but rarely sufficient on its own. It usually ends when the job does, may be modest for a family’s real needs, and is not tailored to you. A personal plan is portable, customisable, and continuous.