This question will raise always in our mind when any insurance agent knocks our door. We never knows how many years will work in the same company, of course your company may provide wide range of benefits in mediclaim with lesser premium. But keep in mind your individual mediclaim is your life saviour in case of emergency.
Not all the companies are providing wide benefits like your company gives, take an example. If Mr.A is in between jobs and planning for a long trip and met with an accident. He is nowhere covered under insurance in any companies but he has retail insurance policy. Here retail policy plays an important role. We never no when emergency will call us in this costliest world.
Arun Ragavendran
Insurance consultant
Bangalore
