The rate at which Covid-19 is spreading should be a nudge for you to buy an individual health insurance policy and not just depend on what your employer provides.
Reliance on group health policies is high in India. According to data from General Insurance Council, as of February 2020, the total health insurance industry is worth ₹45,997 crore, of which ₹23,422 crore came from group policies.
Though premiums in group health policies are usually lower than what individual policies charge, they come with their own limitations.
The biggest issue is the risk of being left without a cover , which could have stressful implications in times of a pandemic.