3 weeks ago

84% want extra health cover but 45% lack it: study

84% want extra health cover but 45% lack it: study
Health insurance protection gap: 84% want extra cover, but 45% still don’t have it · businesstoday.in

Many grown-ups who work at companies get health insurance from their boss, but sometimes that insurance is not enough.

A big insurance company called TATA AIG asked more than 748 workers what they think about this.

They found that most workers, about 84 out of 100, know they should have extra health insurance.

But almost half of them, about 45 out of 100, still have not bought it.

Many workers believe the insurance from their job would not pay for everything if they got very sick and had to go to the hospital.

Some workers do not buy extra insurance because they do not understand it or because they think they will do it later.

The study also found that unexpected medical bills stress out almost everyone, especially when people change jobs.

Only a few workers fully understand what their work insurance actually covers.

TATA AIG hopes that by sharing this information, workers will learn more and get the extra protection they need.

Key facts

Study
TATA AIG's The Corporate Health Protection Pulse 2026
Respondents
748+ corporate employees
Consider additional health insurance important
84%
Do not have additional health insurance
45%
Believe employer GMC alone is insufficient in an emergency
Nearly 75%
Fully aware of their GMC features and benefits
41%
Say unexpected medical expenses cause financial stress
94%
Aware of health cover continuity solutions during job change
40%

Sources

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