Have a own Health insurance policy, although provided by the employer
Yes, you need to have a health insurance plan even if you are young and healthy. This is because medical emergencies can strike anyone at any time. COVID-19 is the perfect example of this – it is an illness that can affect all individuals, irrespective of their age, and fitness levels. Some healthcare emergencies, such as accidents, are unpredictable and have nothing to do with age or wellbeing. They can occur when you least expect them and run-up a huge medical bill.
Keeping all this in mind, it is prudent to have a group health insurance policy, even if you are young and healthy. Not to mention, plans are generally very affordable when you are fit and in the prime of your life. However, they start to get more expensive & difficult to avail as you grow older.