Corporate Health Plan vs Individual Health Plan: Why Personal Coverage is a Must!

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**Corporate Health Plan vs Individual Health Plan: Which One is Right for You?**

In this video, we dive deep into the differences between **corporate health insurance plans** and **individual health insurance policies**. From my personal experience of taking an individual health policy as early as 2005, I share why it has been a game-changer for my financial security and health coverage.

Many employees rely solely on the mediclaim policies provided by their companies, but there are significant limitations to corporate health plans. In contrast, individual health policies offer flexibility, long-term coverage, and tax benefits that a corporate plan cannot match.

### Key Highlights:
1️⃣ **Duration**: How long does your health plan last?
2️⃣ **Coverage**: Who decides your coverage, and is it sufficient?
3️⃣ **Pre-existing Diseases**: What’s covered and when?
4️⃣ **Tax Benefits**: Why corporate plans don’t qualify under Section 80D.
5️⃣ **Premiums**: What affects premium increases for both types of plans?
6️⃣ **No Claim Bonus**: How to get rewarded for staying healthy.
7️⃣ **Restoration Benefits**: Is your coverage renewed after a claim?
8️⃣ **Portability**: Can you switch to a better policy?

An individual health plan is not just a financial product—it’s a vital part of your **long-term financial planning**. While corporate health plans may seem convenient, they’re short-term solutions that come with limitations.

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