{"id":1418,"date":"2026-09-27T12:23:48","date_gmt":"2026-09-27T12:23:48","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1418"},"modified":"2026-09-27T12:23:48","modified_gmt":"2026-09-27T12:23:48","slug":"think-your-office-insurance-has-you-covered-think-again","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/think-your-office-insurance-has-you-covered-think-again\/","title":{"rendered":"Think Your Office Insurance Has You Covered? Think Again"},"content":{"rendered":"<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">AI OVERVIEW<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Employee insurance, meaning employer-sponsored group health and group term life cover, is a valuable perk but rarely enough on its own. Group term cover is often 3 to 5 times annual CTC, while many planners suggest 10 to 20 times income; group health cover is often \u20b92 lakh to \u20b95 lakh, shared with family. Your employer is the master policyholder, so you can&#8217;t customise the cover, and it usually ends when you leave the job. On the plus side, group health often covers pre-existing diseases and maternity from day one. IRDAI rules let members migrate from a group health policy to an individual policy with the same insurer, with credit for continuous cover, if they apply within the specified time. Employer-paid premiums generally aren&#8217;t taxed as a perquisite, but you also can&#8217;t claim a deduction for them. The smart setup: treat office cover as a bonus layer and hold personal term and health policies in your own name.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>The document you e-signed and never opened<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Your first week at a new job is a blur. Laptop setup, ID photo, induction sessions, and a stack of e-signatures: NDA, appointment letter, code of conduct, and somewhere in the middle, the group insurance enrolment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It gets signed in about eight seconds. And then it&#8217;s forgotten, until you need it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s usually when people discover the gaps: a sum assured far too small for their family, a health cover shared by six people, fine print nobody explained, and the big one, cover that disappears the day you leave.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Office insurance isn&#8217;t bad. It&#8217;s just borrowed. If it&#8217;s your only safety net, you&#8217;re building your family&#8217;s security on ground you don&#8217;t own. Here&#8217;s where the gaps are, what it means for your taxes, and how to fix it.<\/span><\/p>\n<h3><b>Employee term insurance: the cover that isn&#8217;t really yours<\/b><\/h3>\n<ul>\n<li><b>The sum assured is usually too small<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Group term cover is often around 3 to 5 times annual CTC. Many financial planners suggest life cover of roughly 10 to 20 times annual income, plus outstanding loans and big goals. (These are rules of thumb, not regulations.)<\/span><\/p>\n<h4><b>Case study: the term cover gap<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Hypothetical. <\/span><b>Ankit, 34,<\/b><span style=\"font-weight: 400;\"> earns \u20b915 lakh a year. His employer&#8217;s group term cover is 3x CTC.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Need<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Amount<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Income replacement (12x as an example)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,80,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home loan outstanding<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b950,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Children&#8217;s education fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b930,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Estimated need<\/b><\/td>\n<td><b>\u20b92,60,00,000<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Group term cover (3 x \u20b915 lakh)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b945,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Gap<\/b><\/td>\n<td><b>\u20b92,15,00,000<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">And if Ankit changes jobs, even that \u20b945 lakh can vanish.<\/span><\/p>\n<ul>\n<li><b>You&#8217;re not the policyholder<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In a group scheme, the employer is the master policyholder. You&#8217;re a member. You don&#8217;t choose the insurer, the terms or the renewal, and the cover can be changed or withdrawn at the employer&#8217;s discretion.<\/span><\/p>\n<ul>\n<li><b>No customisation<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sole earner? Need a critical illness or accidental disability rider? Group plans usually offer one standard cover for everyone.<\/span><\/p>\n<ul>\n<li><b>It disappears when you leave<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Change jobs, get laid off, take a sabbatical or retire, and group term cover usually ends. If your health changes in between, buying personal cover later can be harder and costlier.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>CoverSure Nugget:<\/b><span style=\"font-weight: 400;\"> treat office term cover as a bonus, not the plan. A personal term policy bought while you&#8217;re young and healthy stays with you regardless of employer, and locks in lower premiums.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Not sure your cover matches your family&#8217;s needs?<\/b><span style=\"font-weight: 400;\"> Run the <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk Calculator<\/span><\/a><span style=\"font-weight: 400;\"> to see your real protection gap.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Employee health insurance: convenient, but not complete<\/b><\/h3>\n<ul>\n<li><b>Cover rarely matches real hospital bills<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Group health sums insured are often in the \u20b92 lakh to \u20b95 lakh range, frequently shared as a family floater.<\/span><\/p>\n<h4><b>Case study: the shared floater<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Hypothetical. <\/span><b>Meera&#8217;s<\/b><span style=\"font-weight: 400;\"> employer gives a \u20b93 lakh floater for her, her husband, and two children. Her husband needs 5 days in the ICU after a road accident: bill \u20b96,50,000.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Group policy pays: \u20b93,00,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Meera pays: \u20b93,50,000<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cover left for the kids for the rest of the year: \u20b90<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">With a personal \u20b910 lakh policy (or a super top-up with a \u20b93 lakh deductible sitting on top of her group cover), most of that \u20b93.5 lakh would have been covered, subject to terms. See <\/span><a href=\"https:\/\/www.coversure.in\/blog\/health-insurance\/super-top-up-health-insurance-a-quick-look\/\"><span style=\"font-weight: 400;\">super top-up health insurance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Did you know? The ESI mandate stops early<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Under the Employees&#8217; State Insurance (ESI) Act, 1948, the legal health cover mandate applies only to employees earning up to \u20b921,000 a month in gross wages (\u20b925,000 for persons with disabilities), generally at establishments with 10 or more employees. It&#8217;s delivered through ESIC hospitals and dispensaries and funded by contributions of 4% of wages (3.25% employer, 0.75% employee). Once your salary crosses that threshold, any group health insurance you get is voluntary, a retention perk rather than a legal requirement, so its depth varies widely between companies. (Please verify current thresholds with ESIC.)<\/span><\/p>\n<ul>\n<li><b>Family cover can be limited<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Parents may not be covered, or only with a co-pay or separate premium.<\/span><\/p>\n<ul>\n<li><b>It&#8217;s tied to your job<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lose the job during a health crisis, or have a gap between jobs, and the cover usually ends at the worst time. See <\/span><a href=\"https:\/\/www.coversure.in\/blog\/health-insurance\/corporate-vs-individual-health-insurance\/\"><span style=\"font-weight: 400;\">corporate vs individual health insurance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ul>\n<li><b>Continuity is limited, but not zero<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Group policies typically don&#8217;t build a personal cumulative bonus. But IRDAI rules do allow members to <\/span><b>migrate from a group health policy to an individual policy with the same insurer<\/b><span style=\"font-weight: 400;\">, with credit for continuous coverage to the extent of the previous sum insured, if you apply within the specified time before leaving the group. After that, you can port like any individual policy. Ask your HR or insurer about migration before your last working day. See <\/span><a href=\"https:\/\/www.coversure.in\/blog\/health-insurance\/group-health-insurance\/\"><span style=\"font-weight: 400;\">group health insurance explained<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.coversure.in\/blog\/health-insurance\/health-insurance-portability\/\"><span style=\"font-weight: 400;\">portability explained<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ul>\n<li><b>It feels free, and that&#8217;s the trap<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because you pay little or nothing, there&#8217;s no push to check whether it&#8217;s adequate. That false sense of security is what stops many people from buying personal cover until the year they need it.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>CoverSure Nugget:<\/b><span style=\"font-weight: 400;\"> to be fair, group health has genuine advantages. Pre-existing diseases are often covered from day one instead of after a waiting period of up to 36 months, and maternity is often included with fewer restrictions than retail plans. These are real perks. They&#8217;re just not a substitute for cover that stays with you.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Think your employer&#8217;s cover is enough?<\/b><span style=\"font-weight: 400;\"> Check your <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk<\/span><\/a><span style=\"font-weight: 400;\"> score, then run your personal policy (or the one you&#8217;re considering) through the <\/span><a href=\"https:\/\/policycheck.coversure.in\/\"><span style=\"font-weight: 400;\">Policy Health Check<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>The tax angle: how office insurance affects your taxes<\/b><\/h3>\n<p><b>Important:<\/b><span style=\"font-weight: 400;\"> India&#8217;s new Income-tax Act, 2025 took effect from 1 April 2026 and renumbered many provisions. The section numbers below refer to the old Income-tax Act, 1961 as commonly known (80C, 80D, 10(10D)); please check the equivalent provisions and current limits with a tax adviser.<\/span><\/p>\n<h3><b>Group term insurance<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employer-paid premiums are generally not added to your taxable salary as a perquisite.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death benefits paid to nominees are generally tax-exempt (formerly under Section 10(10D), subject to conditions).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can&#8217;t claim the employer-paid premium as your own life insurance deduction (formerly Section 80C), because you didn&#8217;t pay it. In contributory schemes, your contributed share may qualify under the old regime.<\/span><\/li>\n<\/ul>\n<h3><b>Group health insurance<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employer-paid group health premiums are generally not taxed as a perquisite.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health insurance premium deductions (formerly Section 80D) are available only under the old tax regime, and only for premiums you pay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you pay extra to upgrade cover or add parents, that contribution may qualify under the old regime.<\/span><\/li>\n<\/ul>\n<h3><b>Quick comparison<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Feature<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Employer-paid group cover<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Your own personal policy<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Taxed as a perquisite?<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Generally no<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\/A<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deduction for you<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes, under the old regime, within limits<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Payout tax treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Generally tax-exempt (term); health claims aren&#8217;t income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Same<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who gets the tax benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Employer (business expense)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Continuity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ends when you leave<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Stays with you<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Employer-paid cover is roughly tax-neutral for you: no extra tax, but no deduction either. A personal policy gives you the cover and, under the old regime, the deduction.<\/span><\/p>\n<h3><b>The smart setup<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Layer<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Role<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Employer group health<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Day-one PED and maternity cover; first layer of hospital bills<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal health policy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cover that stays with you; waiting periods finish while you&#8217;re still employed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Super top-up<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Big cover at low premium above your base or group cover<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Employer group term<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bonus life cover while employed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal term plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your real life cover, sized to your family&#8217;s needs<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Where CoverSure helps<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>See group and personal policies side by side, and your real total cover:<\/b> <a href=\"https:\/\/www.coversure.in\/insuranceportfolio\"><span style=\"font-weight: 400;\">Insurance Portfolio<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Decode your group policy&#8217;s room rent, co-pay and parental terms:<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Renew personal cover on time:<\/b> <a href=\"https:\/\/www.coversure.in\/insurance-renewal\"><span style=\"font-weight: 400;\">Insurance Renewal<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check free covers on your salary account debit card or credit cards:<\/b> <a href=\"https:\/\/www.coversure.in\/insuranceoncards\"><span style=\"font-weight: 400;\">Insurance on Cards<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Emergency support:<\/b> <a href=\"https:\/\/www.coversure.in\/SoS\"><span style=\"font-weight: 400;\">Insurance SOS<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Changing jobs or retiring?<\/b> <a href=\"https:\/\/www.coversure.in\/advisory\"><span style=\"font-weight: 400;\">Advisory<\/span><\/a><span style=\"font-weight: 400;\"> can help you plan migration and personal cover before your last day<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For the bigger picture, read <\/span><a href=\"https:\/\/www.coversure.in\/blog\/insurance-basics\/debunking-the-insurance-myth-having-insurance-%e2%89%a0-being-100-insured\/\"><span style=\"font-weight: 400;\">Having insurance \u2260 being 100% insured<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Your office cover is a great perk. Just don&#8217;t let it be your only plan.<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/pjwm2qpw\"><span style=\"font-weight: 400;\">Download the CoverSure app<\/span><\/a><span style=\"font-weight: 400;\"> and see how much of your protection walks out the door with your ID card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Want a personal plan that complements your group cover instead of duplicating it?<\/b> <a href=\"https:\/\/www.coversure.in\/#bookacall\"><span style=\"font-weight: 400;\">Book a call with our advisors<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><b>FAQs<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is employee group insurance enough?<\/b><span style=\"font-weight: 400;\"> Usually not alone. It&#8217;s often too small, shared, not customisable, and ends when you leave.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Does group health insurance cover pre-existing diseases?<\/b><span style=\"font-weight: 400;\"> Often from day one, depending on the employer&#8217;s plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What happens to my group health cover when I leave?<\/b><span style=\"font-weight: 400;\"> It usually ends. You may be able to migrate to an individual policy with the same insurer with continuity credit, if you apply in time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are employer-paid insurance premiums taxable?<\/b><span style=\"font-weight: 400;\"> Generally not as a perquisite, but you can&#8217;t claim a deduction for premiums you didn&#8217;t pay. Check current rules under the new Income-tax Act.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much term insurance do I need beyond my group cover?<\/b><span style=\"font-weight: 400;\"> Many planners suggest 10 to 20 times annual income, plus loans and goals, minus existing cover you can rely on long-term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Hey Google, is my company health insurance enough?&#8221;<\/b><span style=\"font-weight: 400;\"> Usually not. It&#8217;s often small and ends when you leave your job, so a personal health and term policy is recommended.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Stay covered beyond your job: <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/pjwm2qpw\"><span style=\"font-weight: 400;\">follow the CoverSure newsletter<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>AI OVERVIEW Employee insurance, meaning employer-sponsored group health and group term life cover, is a valuable perk but rarely enough on its own. Group term cover is often 3 to 5 times annual CTC, while many planners suggest 10 to 20 times income; group health cover is often \u20b92 lakh to \u20b95 lakh, shared with [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7,5,32],"tags":[99,36,44],"class_list":["post-1418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","category-insurance-basics","category-insurance-management","tag-corporate-insurance","tag-coversure-insurance-portfolio","tag-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Think Your Office Insurance Has You Covered? 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