What if my private company has provided me health and term insurance of good amounts?  Shall I still buy the personal insurance now or wait for some years until I quit the company and then buy the personal health and term insurance?


Your group insurance is a rented property . You have it till you are part of group . You will be left uninsured the day you leave or asked to leave the group .

Which private Corporate would keep you in job if any unfortunate illness happens . They would keep you for 6 months .

Hence it is always advised to own Term and Health insurance on your own .

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