The benefits that you enjoy in a Health Insurance policy are all related to continuity. You get a no-claim bonus and a cheaper rate for continuing with the same company. In addition, certain diseases have a waiting period of a few years.
What happens when you change your job? In most cases, your employer will revoke the policy which will lead to a break in your policy. During this transition period, that is till you buy a new policy you are not covered under any policy. So if you fall sick during this period, you will have to pay the expenses from your own pocket. Therefore, to avoid a break in your policy and enjoy all the benefits without interruption it is imperative to buy an individual Health Insurance policy in addition to your company’s policy.