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Should I go for health insurance now, when my company is covering me?

Hi All,

I am currently having a health insurance from my Organisation, that I am working with.  Should I additionally go for an additional health insurance of my own? Under what circumstances, should I go for an additional one? Note, currently, my company provides me a cover of 2L for my family and additional 3L for my parents, which looks fine with me.  Do you see its less?

Can’t I go for an health insurance only in case, if my current employer is not covering the  health cover? 

Note, unlike other insurance, the premium for health insurance will be reviewed periodically and generally, the insurance amount paid through company is less than the amount to be paid personally(when going seperately) and additionally all diseases are covered from day one, when we go through company unlike, unlike personal one.

I know, its little bit too much of questions. 🙁

Thanks

Sunil Kumar

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