New Delhi, Aug. 5 -- If you're switching jobs, don't forget to carry forward your health insurance. Most salaried employees in India are covered under a group health policy offered by their employer. While this cover may seem like a safety net, it lapses the moment you leave your job-unless you takeaction.

Many employees don't realise they can convert their group health cover into a regular health insurance plan when they leave a company. This provision allows you to retain continuity benefits-such as the waiting period already served for pre-existing diseases.

When you resign, ask your human resources team or insurer for a portability or conversion form. Insurers usually allow you to shift to a similar policy with them, though underwri...