Yes — employer plans can change or end when you switch jobs, and you don’t control the coverage. With your own policy, you choose the benefits, sum insured, and features, and the cover stays with you for life.

Pick a cover that fits your city and stage of life — larger covers (₹20L+) are better for metros and older ages, while younger families in smaller cities can start lower (₹5L+) and scale up. Your lifestyle, hospital preferences, and family medical history also help decide the right amount.

The earlier you buy, the better — when you're healthy, you get more plan options at lower prices, and your waiting periods finish well before you need the cover.

Family floaters offer strong value when all members are young and healthy, giving you better prices and wider plan options. For families with medical conditions, individual policies often work better. An unbiased advisor can help you strike the right balance.

Term insurance exists to protect your future income. So even without dependents today, buying early helps you lock in affordable premiums and guarantees that when you do have responsibilities — family, loans, or financial goals — your income is already secured.