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ManipalCigna | Why You Need An Individual Health Policy Over Your Employer Health Coverage | Mrin Agarwal Founder Of Finsafe
- 2021/10/08
- 再生時間： 13 分
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ManipalCigna | Why You Need An Individual Health Policy Over Your Employer Health Coverage | Mrin Agarwal Founder Of Finsafe
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サマリー
あらすじ・解説
There are many benefits to group health coverage provided by your employer. But certain circumstances may require you to purchase your own health insurance plan. In our fifth podcast of the Financial Vaccination series, Mrin Agarwal, financial educator, licensed financial advisor and founder of Finsafe, highlights the need for having individual health coverage in addition to your employer group plan.
Understanding Employer Health Insurance Coverage
Group health insurance is a cover provided by the employer. Insurance providers typically offer companies group policies at a very nominal premium. This way, an employer can afford to take one large cover for all its employees.
How Group Health Insurance Differs from Individual Health Insurance
Individual health insurance: This coverage is purchased by a single individual either for themselves or their family based on their employment status, medical history, financial standing and age.
Group health insurance: This form of employee coverage is explicitly designed by organizations to be purchased for their employees. A group health insurance plan is provided based on an employer's financial strength and is valid for an employee only until his/her employment.