Want to buy health insurance even though I have Employer coverage of 9 Lakhs p.a.

POSTED BY Ravi ON August 17, 2014 6:38 pm NO COMMENTS

Dear Friends,

I have a health insurance from my employer with coverage of 9 lakhs p.a. Having been an avid reader of this forum, I have learnt that a person should’t rely solely on health insurance provided by employer because :

a. This insurance will go away as soon as you change job.

b. There is a waiting period for some illnesses in insurance bought outside of insurance provided by employer.

So I have decided to buy health insurance but have some questions:

1. What kind of plan should I opt for: Complete coverage OR top-up since I already have insurance from employer? Eventually I would like to move away from my employer provided insurance.

2. Usually when we go to hospitals, there is a list of TPAs that are entertained by that hospital. Is there a consolidated list about the TPA-Health insurance provider relation meaning which health insurance company is covered by which TPA?

3. Do TPAs sell health insurance policies also?



Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Download Our FREE Ebook!

Available only for first 100 people today

Download Our FREE Ebook!

Available only for first 100 people today