When we are young, and fresh into a job, the company we work for, enrols us into their corporate group health cover. Most youngsters join unwillingly because nobody foresees any medical emergencies or it is not on the top of the priority list at that age. But soon we find the goodies of the group medical scheme - when a parent is hospitalised with a pre-existing aliment or when our spouse is hospitalised for delivery and when the new born baby needs neo-natal care.