Employer-provided health insurance may have limitations such as insufficient coverage, potential loss of coverage upon changing jobs (leading to higher premiums and waiting periods), and restrictions like room rent caps, suggesting the consideration of a separate personal health insurance plan.
"What could be those number one you could be under covered okay so ideally if you want to go ahead with a higher cover you can't tell your employer increase my benefit increase my cover policy number two is that if you change the employment then it could be a possibility that your new employer may not cover you for health insurance in such a case you will have to pay a higher insurance premium because your age might have increased by that time plus you will have to go out with waiting period and all that right number three possibility is that even if you are in the same employment still there could be certain limitations something like you know a cap on a room rent so there could be multiple possibilities so considering all these factors you may consider having a separate health insurance plan for yourself, so that just in case your employment situation also changes you would not have to face any difficulties."
