There was a middle-aged employee who worked in a large IT company for ten years. Every year there was an appraisal, every year a slight salary hike, and every year the same email from the HR team: "Your group health insurance has been renewed, the coverage is up to 5 lakh rupees." He never paid much attention to that email. Why should he? The company, HR, the policy was all there, so everything felt taken care of. Then one day, major cost-cutting started in the company. Departments were merged, some teams were shut down, and on a Friday morning, he got a call from HR. "Your role is no longer required." Notice period, exit formalities, and then a line most people don't even notice: "Your health insurance coverage will end from your last working day." Job loss is a huge blow on its own. But at that moment, the fact that your health insurance stops too is way down on the priority list, because your mind is already consumed by EMIs, savings, an...
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