Trending @Accenture; Insurance For Dependents

Only buy it if you are in immediate need of it as that insurance is applicable from Day 1, unlike other insurances. If you are not in immediate need, then go for other insurances.
And Btw, I believe the last date to register for this was 22nd March.

You need to pay out of your pocket and it's usually much higher premium than buying from outside

You need to pay, the amount will be deducted from your salary