Your company's group policy feels reassuring — until you actually need it. Here's the uncomfortable truth most HR departments won't tell you:

• Group cover ends the day you resign, retire, or get laid off — zero notice, zero grace period
• Sum insured is typically ₹3–5 lakhs — not enough for even one ICU admission in Mumbai
• Pre-existing diseases often excluded for new joiners — no continuity between employers
• No portability — you lose your waiting period credits and claim history when you switch jobs
• Buying a fresh policy at 58–60 costs 3–5× more with long waiting periods for pre-existing conditions
• Room rent sub-limits can leave you paying lakhs out-of-pocket even with active group cover

No employer. No pension. No group cover. Your health is your most critical business asset — and right now, it has zero financial backup.

• A single hospitalisation in Mumbai can drain 6–12 months of business profits
• No pension means every medical emergency directly erodes your retirement corpus
• Unplanned medical bills can force you to liquidate investments at the wrong time
• Lifestyle illnesses like hypertension and diabetes are rising sharply among entrepreneurs
• Mumbai private hospital costs are among the highest in India — and rising at 15% per year
• Without cover, one health crisis can threaten your family's financial security entirely