You have option to opt out from group inusurance policy also

As you are aware that a group health insurance policy provided by an employer to the employees comes with its own share of benefits. Not only is the premium low, such a group cover also has a comprehensive coverage with fewer policy exclusions.

source https://www.caclubindia.com/articles/you-have-option-to-opt-out-from-group-inusurance-policy-also-47214.asp