Why Personal Health Policies Are Essential: Experts Explain Limits of Corporate Insurance

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Don't Rely Solely on Office Health Insurance: Experts Urge Personal Policy

Don't Rely Solely on Office Health Insurance: Experts Urge Personal Policy

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News18•08-03-2026, 12:02

Don't Rely Solely on Office Health Insurance: Experts Urge Personal Policy

•Corporate health insurance offers limited coverage, often excluding OPD, mental health, preventive care, and chronic illnesses.
•Office policies terminate with employment, creating coverage gaps and potential high premiums if a new policy is bought later.
•Personal health policies provide comprehensive, customizable coverage, including OPD, chronic care, and alternative therapies.
•Personal policies are portable, renewable for life, and adapt to various life stages like maternity or elder care.
•Jeevan Kasara, Chairman of Steris Healthcare, advises combining corporate and personal policies for complete financial security.

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Tax at Exercise (Perquisite Tax)
When options are exercised, the difference between FMV and exercise price is taxed as a perquisite under salary. This perquisite is added to the employee’s taxable income and subject to normal slab rates. Employers include it in the salary and deduct TDS. This ensures tax compliance at the point when employees derive economic benefit from the ESOP.
Example: FMV ₹6,500, exercise price ₹500, 100 shares → taxable perquisite ₹6,00,000.(Image: Canva)

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