The group health insurance policy would give you limited coverage which might not be sufficient for the coverage needs of your family. The sum insured would also be limited and given the rising medical costs, you need a higher coverage level. Moreover, the group insurance coverage would be valid until you are employed with your employer. When you leave your job, the coverage would stop. It is, therefore, better to buy an independent health insurance plan covering all the family members and having an optimal level of sum insured