{"id":175,"date":"2015-02-25T12:59:24","date_gmt":"2015-02-25T07:29:24","guid":{"rendered":"http:\/\/www.policyadvisor.in\/?p=175"},"modified":"2016-09-01T18:28:50","modified_gmt":"2016-09-01T12:58:50","slug":"individual-health-insurance-vs-group-mediclaim-insurance-policy","status":"publish","type":"post","link":"https:\/\/policyadvisor.in\/insurance-india\/individual-health-insurance-vs-group-mediclaim-insurance-policy\/","title":{"rendered":"Individual Health Insurance Vs Group Mediclaim Insurance Policy"},"content":{"rendered":"<p>There are some prominent differences between individual health insurance policy and a group health or medical insurance. If you are covered by your company in the group insurance scheme, then you are fortunate to have the luxury. The advantages of being covered in your company\u2019s group mediclaim are plenty as compared to buying a individual\u00a0health insurance\u00a0cover on your own.<\/p>\n<p>In a companies group insurance scheme, most of the exclusion or conditions are relaxed and even if this is part of your CTC salary, it is cheaper that buying on your own. People with pre-existing or pr- diagnosed, or treated health problems seeking new health insurance policies are considered high-risk candidates by insurance companies, and many of them may find it difficult to buy a\u00a0health insurance policy\u00a0on individual basis.<\/p>\n<p>On the other hand, in a group health plans, every individual is covered regardless of their pre-existing health conditions, and the high-risk individuals are factored into the total cost of the group insurance plan. A group mediclaim or <a href=\"http:\/\/www.policyadvisor.in\/online-advisor\/health-insurance-advisor\/\">health\u00a0insurance plan<\/a>\u00a0provides coverage for a group of people and cannot single out high-risk individuals neither can they deny them health coverage.<\/p>\n<p><strong>I<\/strong><strong>\u00a0am covered in my company\u2019s health insurance scheme, should I buy an individual health insurance cover also ?<\/strong><\/p>\n<p>Well, this question is asked most frequently buy our visitors and you will find the answer by yourself after you review the points below.<\/p>\n<ul>\n<li>What if the company withdraws the <strong>group health insurance<\/strong> scheme for cost cutting reasons?<\/li>\n<li>What will happen if you leave your present company and join another company which does not have a group health insurance scheme?<\/li>\n<li>Worst case scenario , What if you are the victim of downsizing and loose you job ?<\/li>\n<\/ul>\n<p>In all the above situation, you will be left with no insurance cover. Being without a\u00a0health insurance cover\u00a0in todays time\u2019s is scary. One major illness of your family member can dis-balance your finances upside-down.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are some prominent differences between individual health insurance policy and a group health or medical insurance. If you are [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2000,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[131,129,12,37,130],"class_list":["post-175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-india","tag-comparison","tag-group-mediclaim-insurance","tag-health-insurance","tag-insurance-india","tag-selecting-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Individual Health Insurance Vs Group Mediclaim Insurance Policy<\/title>\n<meta name=\"description\" content=\"Comparison of benefits of group health insurance vs individual health insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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