Is company health insurance enough?

Rarely. Group plans often have room rent caps, co-payments for parents, and most importantly, they lapse the moment you leave or lose your job.

Should I port my group policy?

Yes, IRDAI allows porting from group to individual plans to keep waiting period credits, but the process is manual and must start 45 days before resignation.

What is the best way to supplement group cover?

The 'Gold Standard' is to have a small individual base plan (₹5L) to maintain continuity, and a large Super Top-up using your group cover as the deductible.

Group Health vs Individual Plan Optimizer

Analyze the gaps in your employer-provided insurance and build an optimal personal protection stack.

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Quick Summary: Group Health vs Individual Plan Optimizer

Corporate health insurance is a temporary perk, not a long-term safety net for FY 2026-27. Gaps like room-rent caps and lack of portability make a personal base policy (₹5L) plus a high-limit Super Top-up the optimal protection strategy.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.