Take a personal policy from another insurance company - apart from the one that takes care of your group insurance scheme through your employer - and you can have an additional insurance of the same amount! Moreover, the hospitalization, whenever you need it, would be cashless! This is a dream come true for many health insurance customers who exhaust their limit during hospitalization. Some new, innovative insurance products are now being offered by 23 private and 3 public sector general insurance companies.
Also, a couple of insurers have been offering policies in which the customer will pay during his service period and gain through coverage after he retires. Retirement pension plans are popular these days with the majority of employers hiring on contracts and leaving very little post-retirement benefits for employees.