Employer cover vs your own policy
Group health insurance from an employer versus a policy you buy and own. Group cover is cheap or free but ends with the job, is usually thin, and builds no waiting-period continuity that you keep.
What it means
Group health insurance from an employer versus a policy you buy and own.
Why it matters to a household
Group cover is cheap or free but ends with the job, is usually thin, and builds no waiting-period continuity that you keep.
Where it trips people up
Relying on it entirely and buying personal cover only after leaving — by which point age, or a new condition, has made it expensive.
In an Indian household
Hold a personal policy alongside employer cover from early on. The premium at thirty is a fraction of the premium at forty-five.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Employer cover vs your own policy
Group health insurance from an employer versus a policy you buy and own.
Why does it matter?
Group cover is cheap or free but ends with the job, is usually thin, and builds no waiting-period continuity that you keep.
What do people usually get wrong?
Relying on it entirely and buying personal cover only after leaving — by which point age, or a new condition, has made it expensive.
Is there anything India-specific?
Hold a personal policy alongside employer cover from early on. The premium at thirty is a fraction of the premium at forty-five.