New Delhi, Oct. 3 -- Your office health insurance may feel like enough protection. A Rs.10 lakh cover sounds reassuring when your employer pays the premium. But depending entirely on this benefit can leave you exposed.

Corporate policies can offer useful benefits, including cashless hospital treatment and family coverage. Some also cover existing illnesses without waiting periods. These benefits make employer insurance valuable, but they do not guarantee lifelong protection.

The biggest weakness is its connection with your job. Losing your job, taking a long break or retiring can end your health insurance cover. Moving to another company without insurance benefits creates the same problem. Medical needs, however, do not stop when employ...