New Delhi, Sept. 4 -- Health uncertainties can occur at any life stage, making early personal health coverage a wise consideration for young professionals. Relying solely on a corporate group plan poses risks, as this coverage terminates the moment you part ways with an employer. Transitioning between jobs, facing unexpected layoffs, taking a sabbatical, or launching a business venture can instantly leave you financially exposed to medical emergencies.

This raises an important question: Should you invest in an independent health policy in your 20s if your workplace already provides one?

Securing an individual policy around age 25 or 27 while in good health unlocks financial and structural perks, including lower starting premiums and the...