I am covered under the company's Group insurance, I don't need additional insurance right? The policyowner of the group's master contract is the employer. You are merely the life assured with no legal rights to the contract. The master contract can be terminated either by the employer or by the insurer. Moreover, you loses the cover once you leave the group such as resignation or retrenchment. This argument applies similarly to group insurance provided by the military. Upon lost of cover, you could only purchase your own insurance if you are still of good health. Even if you are still of good health, many insurance policies excludes pre-existing illnesses - including those that are unknown to you.

The government is trying to encourage portal insurance for employees but this has not been met with much success. Currently the most "portal" insurance scheme is to pay the employee an extra 1 precentage points to their medisave but the employee still have to source for a medisave-approved health insurance.