Your employer will only cover your medical expenses only as long as you are employed with them if you change your job the earlier employer's insurance scheme lapses. Your new employer may well provide you with another medical insurance, but there is a chance that it may not be as good as the old one. Moreover, you may decide to start your venture. In all such cases, you and your family will be left in a lurch if a medical emergency arises. Hence, it is always prudent to have your medical insurance regardless of what your employer has to offer. Your health insurance policy can act as a supplement to the one being offered by your employer. Remember, having too much coverage has never been harmful.