Health & claims
Can I convert my company health insurance to an individual policy?
You can ask. When you leave a job, your group health cover ends, and you may ask the same insurer to move you to its individual plan. This is called migration. The right to ask exists, but the terms are the insurer’s and usually involve underwriting. The surest protection is a personal policy started while you are still covered at work.
In short
- Group cover ends when you leave.
- You can ask the same insurer for migration to its retail plan.
- Terms are the insurer’s, usually with underwriting.
- The surest route: a personal policy started early.
What is migration in health insurance?
Moving from a group policy to the same insurer’s individual policy when your group cover ends. You apply to the insurer, usually before you leave or soon after. The insurer decides the terms.
Will my waiting periods carry over?
Don’t assume they will. The insurer sets the terms, and underwriting is common. Someone whose condition was covered from day one at work can find it back on a waiting period of up to 36 months on a new policy. Our guide to pre-existing disease waiting periods explains why.
What is the better plan?
Start a personal policy while you are still employed and healthy. Its waiting periods run while the company policy still covers you, so by the time you leave, your own cover is already working. Our personal health insurance guide shows what to look for.
Migration or portability: what’s the difference?
Migration moves you from a group policy to the same insurer’s retail plan. Portability moves an individual policy to a different insurer, carrying your waiting-period credit, if you apply 30 to 60 days before renewal.
Frequently asked questions
Can I continue company health insurance after resignation?
Group cover ends with your employment, but you can ask the same insurer to migrate you to its individual plan, on its terms.
What is migration in health insurance?
Moving from a group policy to the same insurer's individual policy when group cover ends.
Is it better to buy my own policy while employed?
Yes. Its waiting periods run while the company policy still covers you.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not insurance, legal, financial or tax advice, and nothing is an offer. No insurer or product is named or recommended. What any policy covers depends on its own wording and schedule. For advice about your situation, talk to us.