You should consider switching to group health insurance from Kuvera if any or all points are true:
Pre-existing condition waiting period
If you have 2 or more years of waiting period left for your pre-existing condition.
Example: If you have 4yr waiting period clause in your current policy and you have completed 1yr in your policy then you can consider moving, as Group health insurance from Kuvera offers 2yr waiting and it would be quicker for you to get your conditions covered.
Additional cover
If you think that the sum insured in your existing base policy is not sufficient then you may consider investing in a super top-up or switch to Base policy.
Age of dependent children:
If the age of existing dependent children is more than 18 years then it would be a good idea to start a new health base and super top-up policy for them as most insurers will stop cover for dependent children once they turn 18-23.
Policy features:
Compare the existing plan, policy wording and feature list with Group Health insurance from Kuvera and consider switching if you see additional feature(s) for self or family.
Premium:
Health insurance is a long term commitment, a saving of 15-20% per year can make a difference. If you find substantial savings on Coverage/premium paid then consider switching to group health insurance.
