or witness a severe loading at the time of renewal says mahavir chopra however you cannot deny the fact that group health covers come at a throwaway cost hence an individual can look at group covers only and only if they dont have sufficient risk cover on their standalone policy also people who have witnessed cardiac problems may not get another insurance policy in such case they can look at group covers sold by banks says mahavir chopra individuals who already have an insurance cover can look at group covers as a topup plan but confirm the exclusions of the policy the nature of the group and the clause on preexisting diseases before making the final purchase