health insurance policy if you are already covered under a corporate group health insurance scheme? Experts think it is wise to have a separate policy to avoid any hassles during hospitalization.
Let’s take the hypothetical case of Gupta, a 35-year-old employee with a renowned firm. Gupta faced a big predicament when his wife had to be hospitalized.
He was asked to submit a copy of the health policy at the time of admission but realized that his group health plan had expired and his employer hadn’t renewed it.
The employer told him that renewing a group health policy takes time and that he could seek reimbursement later on. Gupta was denied cashless facility and had to fall back on his savings for the hospital admission and other expenses.