Insurance in company vs outside insurance. Which one we should Opt? Please comment.

I have a health insurance from my company of 20 lakhs. Should I take some additional coverage from outside?

1.Need to buy insurance for dependent 55 aged people who don't have pre existing disease as much major ...earlier covered in my corporate policy only but now I feel corporate policy is costly

2. Also for other who have pre-existing dis...

Should we have a seperate Insurance other than the one the company provides for ourselves and parents ?

So, I have a good stable income now. But life's getting serious by the day as I grow older by the day. Need to start taking more financial responsibilities overtime when parents take their retirements in a year or two. So, thinking for s...