Are you well covered by health insurance?

IF YOU are an employee, chances are your company provides some form of group health insurance as part of your benefits package. This is a valuable perk that offers basic protection, often at no extra cost.

But don’t be lulled into complacency. It is prudent to check if the company’s hospitalisation plan and benefits are portable, that is, you can bring them with you even if you stop working or change employers.

It is important to have a personal hospitalisation and surgical plan so that we are assured of cover even if we switch jobs and leave the workforce one day. As it is, both our present and past companies do not offer portable health plans.