what is the best health insurance one should opt for family? Can I opt for my organization medibuddy or outside one? Which is better?

like
Posting as :
works at
You are currently posting as works at

Organisation one is better since they cover all pre-existing ailments from Day 1.

like

Outside bro. Organisation one you can keep but always have your personal one as backup. Organisation insurance will lapse when you leave the company and it hardly covers 3-5L.
You can check HDFC Ergo, they have some hood options.

I went through that Glassdoor Consulting India thread, and it reminded me of a dilemma many of us face sooner or later — whether to depend entirely on the company-provided platform like MediBuddy or step out and buy an individual family policy. On the surface, corporate covers feel effortless and reassuring. But the real uncertainty begins when you think about job changes, coverage gaps during notice periods, rising treatment costs in your city, and how limited the sum insured usually is for a full family.

I learned this the hard way when a colleague moved roles and had a brief break between companies. A routine hospitalisation happened in that gap, and the family had to bear the entire bill because the corporate cover had silently switched off. That’s when I realised the real issue isn’t choosing between “company” and “outside” — it’s understanding the actual strength of your coverage. Brochures and HR portals rarely show room-rent impacts, sub-limits on key procedures, or how city-level medical inflation quietly erodes the adequacy of a 3–5 lakh cover.

My turning point came when I stopped comparing plans superficially and started trying to measure how strong the coverage truly was for my family’s situation. That’s where BimaScore helped. It provides a simple 400–1000 clarity rating that reflects real policy strength — not just benefits on paper. Built on Bima Analyze, it reviews 100+ real-world factors like PIN-code medical inflation, insurer behaviour, hidden sub-limits, and whether your sum insured is realistically sufficient. No document uploads — just basic inputs like insurer, family structure, and sum insured. And with Bima Clarity shaping future-ready recommendations, understanding coverage becomes far easier than relying on HR summaries or online opinions.

If that discussion made you rethink whether your corporate cover is enough for your family, it’s worth checking how strong your chosen policy actually is.
Discover Your Score → https://bimascore.com?ref=forum

Related Posts

I am in a period of growth in my role (in house and getting more exposure to top management) - im grateful for it but I also have constant anxiety during and after work hours. Does anyone who’s been in a similar position have tips for riding this wave? Hoping it’ll get easier.

like
like

I had IVF process to get pregnant. During pre- embryo transfer we were told that girl embryo is being transferred. Currently I am 18 week pregnant. I had anatomy scan and we found out we are having a boy. Baby looked all healthy but due to gender discrepancy, We are asked to do additional testing and genetic disorder screening. Anyone had similar experience?

Life insurance without a buy sell agreement is just as useful as a buy sell agreement left unfunded. When dealing with business owners make sure that they’re buy sell agreements are up to date and funded. And the most important question is what is your business worth? Most business owners “think” they know what their business is worth but without a true business valuation, a buy sell agreement can be left seriously underfunded or could be over funded.

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

like

Is this bowl already dead? Assuming that most in this bowl, if not all, are onsite. There are so many situations which are unique to us. For example, no 401k and no PF contribution at the same time, bonus in INR even though our expenses are in USD, and so much more...
Am I the only one who's thinking that Deloitte's policies for landed resources could do with an overhaul?

like

Hi Sharks, I urgently need your help with reviews on 'Deloitte Shared Services LLP'. Please tell me about career growth, benefits? Would really appreciate your help!

What are the health insurance benefits provided at SAP India ? What is the base cover and how much can it be extended to ?

like

Guys, I am following this guy name Chakabars on IG, any of you do? He basically talks about racism, being black, health etc... Yesterday, I saw a post where he mentioned that COVID 19 couldn’t touch>

like

I am a registered sales assistant which means I have my series 7. I also have the 63 and my Life & Health license. I was a financial advisor but the role is commission only so I decided to take a role as an assistant for some time to learn etc. I really like my role, but I only make 32k a year and after taxes I only take home about 25k. I have a gut feeling that I’m not being paid market value but it’s tough to find comparable salaries. Do you think $15.38/hr is a fair wage in this case?

I am currently a care coordinator with one of the big insurance companies. I want off the phone, I have been applying for Rn jobs in utilization but have not gotten the last 5-6-7 I applied for, I lost count… I am thinking more analytics and business side of things now. I finished my MSN LM to maybe stand out from the large amount of applicants they get. BUT I have no experience in analytics.. so I have a chance? How do I get training in tableau, sql, interqual, project management, alteryx..

like

Anyone here from Citi Pune ?
Can you please share details about Club Mahindra perk in Citi ?

like

I’m discussing a part-time orthopedic position that would include clinic and surgery in WA state, about 1 hour from seattle. 5 years experience. Anyone have experience with this? I’m looking for hourly rate expectations. I will be covered under their malpractice insurance, but no other benefits.

like

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

like

Do any retail workers out there still get severe anxiety when you see someone without a mask?

like

Hi All - anyone working in the swiss market here?

Looking for some insights of different firms there in terms of Comp., WLB but also brand within Health&Pharma would be useful

Thanks!

like

Is there any hiring going on for Business Consulting for insurance / insurtech domain @mcKinsey

like

Hey Fishes,
Just wondering to check if Paypal provides reimbursement for Internet during this WFH time. I heard they do not provide. Can anyone confirm and is there any benefits for WFH setup or getting gadgets.

Have offer for T24 grade in Paypal Chennai

like

Which one is better Legato Health Technologies or Capgemini Engineer.

Almost same package in both

like

More Posts

Holiday Season - at my former company, around this time of year I would have already gotten a ton of gift baskets etc. - not something I would ever take home but open up for the team and leave out. Started somewhere new last November, have dealt with multiple firms in various regions of the last year, many of which have billed several $100ks, have yet to receive anything. Are firms no longer doing this post COVID?

like

Was doing some cleaning and decided to spread out the collection

Post Photo
like

Hi all

My joining will be on 19th Dec for Bangalore location Prestige Trade Tower. I'm looking for guys who need room partner. I'm ready to spend 10-15k for sharing in a rented apartment/house.

Please let me as soon as possible. Thanks

I can still opt for Pune location if somebody living in Pune.

like

Interested in becoming a Google cloud product manager. Here are my observations on the experience you will need to be considered.

Here are my observations about the skills and experiences that PMs have and how people are joining that group.

They are all technical. All of them could easily be very technical cloud consultants or cloud engineers.
Tl/Dr. If you couldn't get hired as a cloud engineer or cloud consultant - you probably can't become a PM

like

Hi Fishes, I wish you all continued success!

Could I get likes, please, to start my journey here. Thanks in advance

likehelpful

How often do you see people going from solutions architect to product manager

like

What puzzles do people generally get as a question in senior data analyst role interviews ?

like

Everything always takes me so long to do :/

like

Is Integration Engineer position at Zoom worth joining coming from Software Engineer position?

like

Hello all,

I have an Interview with Atlassian for a pre sales solutions engineer role in Canada that requires 5-8 YOE . What's the salary range I should be aiming for ?

like

KGS calling folks back to office starting Jan?

like

From reading a number of books and listening to a number of podcasts about starting a business, one underlying factor they all share is to have deep passion for what you do. How do you know what your passion is? I mean I think a lot about golf but i don’t think that’s a passion. It’s my hobby. I think most people just know.

like

LTI or EY GDS
OFFERED SALARY SAME

How much time does ADP takes to come back after document submission on portal for HR discussion.

Just saw that Airbnb's salary range for a 2+ years experience Data Scientist in US is 129k -180k USD.
In INR its 95L- 1.4cr. But in India do they pay even 30L to 4 years yoe?
Last year I saw such salary range for 4+ yoe in US. But in India its yet to increase.
In this quarter these companies have started negotiating in the name of US recession. Irony is salary range didn't decrease in the place where the recession is supposed to occur.
All these articles published in India are just to fool them

like

This Indian matchmaking show is interesting...love how the first girl is like “my partner needs to fit in my life” 😳🙄😳🙄🤭

likefunnyhelpful

5/28 Thread (General):

like

Hi Guys,

Do Amex provide relocation expenses ?

like

Hi, What is the max pay for Senior Consultant role C1 band?

like

Additional Posts in Consulting India

Hi Fishes
I am joining Lilly as a Consultant this December
I want to know what is the annual hike in Lilly and how is the culture and growth out there?

like

Can anyone share their interview exp and type of questions asked for qa post at Salesforce company??

like

Does Hashedin has Bench policy?

like

After 5 years of Experience in IT INDUSTRY as Software developer which will be the best career option to choose from below

1. Mulesoft Developer at Apisero
2. Backend engineer at startup

I am thinking about joining the start up as it will help me learn new things. Btw the package is little bit more in startup
#career #dilemma

Hi friends,

I am having 8.6 years of experience as full stack developer in .NET.
I am working mother so want work-life balance..having below offers..which is good ?

TCS :- 11 LPA
IBM :- 11.7 LPA
Xoriant :- 15 LPA (Fixed)
I have asked for TCS and IBM for revised offer letter as per xoriant.

TCS said it's not possible because at the time of HR discussion I don't have any counter offer.

If I will not join TCS then is there any problem occurs in future like they will block list my profile?

like

Hello Fishes,
I am looking for a switch in MNCs. Having 7.5+ Y.O.E as BA. I stay in Bangalore and married. What salary should I look for ? What is the market trend right now ? Can you pls help me here?

like
like

Good answer for - What is your biggest weakness?

like

What is Unit in Infosys? Any idea about IVS-ECS Unit?? Then what is BPRME (BP R&M EAST) Account? Infosys

like

Hey Fishes, what would be the post tax in hand salary?

Post Photo

How much inhand salary i can expect from below breakup

Post Photo
like

Hey Guys
Any insights on
IBM gbs ? Got offer of 25lpa for 7.2 YOE(JAVA full stack) bUt worried as I read somewhere IBM is famous for"hiring and firing" is it true ?

like

What made you believe in ‘Whatever happens, happens for greater good’ ?

like

Hi all,
I am a Salesforce developer with 5+ years experience and total experience is 10 years. I want to apply for positions outside India, like UK or Australia . I would like to know your suggestions like
1. How to start applying
2. Timeline that would take for the entire process , considering if i start applying from next month.
3. And is it is wise to go and apply for them in terms of career and money?

like

While negotiating offer with one in hand, how do you deal with the question "Why are you looking at another offer when you already have one?" The honest answer is usually for more money. But there are other factors for choosing one company over another. How to pitch this in? I feel like any answer other than more money sounds fake to the person on the other side!

like

Hey Googlers, do you have any update on WFH policy?

Considering nee variant of Covid-19, what are your thoughts. Google

like
like

Hi Fishes,

I currently work at Publicis Hawkeye with my last date in Oct end. I'm moving to Accenture as a Research Specialist.

Can anyone please tell me about how the work culture at Accenture is? And the benefits they offer?

From my offer I know that the health coverage is capped at 3L with top up options at 10L max. It also doesn't include parents, and that needs to be enrolled at an additional cost.

I have 6.5 yoe.
I'm into research and consumer insights.

like

Hi guys, need help with this

Post Photo
like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal