단체실손의료보험이 있는데, 퇴직 후를 고려하여 개인실손의료보험을 현재 추가로 가입할 필요가 있나요?

<div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Yuf4/ff8b106b504602cb7ca8e5590c5614661bbe03eb?download" data-file-name="(참고)+손해보험+소비자+상담+주요+사례집.pdf" data-file-size="1497592" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1Yuf4/ff8b106b504602cb7ca8e5590c5614661bbe03eb?download", "/cafeattach/1Yuf4/ff8b106b504602cb7ca8e5590c5614661bbe03eb", "(참고)+손해보험+소비자+상담+주요+사례집.pdf", "grpid%3D1Yuf4%26fldid%3DBo3N%26dataid%3D688%26fileid%3D4%26regdt%3D20230101111711&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Yuf4%2Fff8b106b504602cb7ca8e5590c5614661bbe03eb")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">(참고)+손해보험+소비자+상담+주요+사례집</span><span class="type">.pdf</span></div><div class="size">1.43MB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Yuf4/f030e9139079e414a8985abdf03002427504c581?download" data-file-name="보도자료_손해보험에+대한+궁금증,+소비자+상담사례집으로+해결하세요 (1).hwp" data-file-size="109056" data-mimetype="application/haansofthwp" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1Yuf4/f030e9139079e414a8985abdf03002427504c581?download", "/cafeattach/1Yuf4/f030e9139079e414a8985abdf03002427504c581", "보도자료_손해보험에+대한+궁금증,+소비자+상담사례집으로+해결하세요 (1).hwp", "grpid%3D1Yuf4%26fldid%3DBo3N%26dataid%3D688%26fileid%3D5%26regdt%3D20230101111711&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Yuf4%2Ff030e9139079e414a8985abdf03002427504c581")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">보도자료_손해보험에+대한+궁금증,+소비자+상담사례집으로+해결하세요 (1)</span><span class="type">.hwp</span></div><div class="size">106.50KB</div></div></a></div><p><b><span data-ke-size="size26">단체실손의료보험과 개인실손의료보험 연계제도</span></b></p><p> </p><p><span style="color: #5733b1;"><b><span data-ke-size="size23">단체실손의료보험이 있는데, 퇴직 후를 고려하여 개인실손의료보험을 현재 추가로 가입할 필요가 있나요?</span></b></span></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/37cf729c585cf53bb256b880f28e8823d100f6ab" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/37cf729c585cf53bb256b880f28e8823d100f6ab" data-origin-width="568" data-origin-height="727"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/2854938dae0792af952a3f5ffa268538aa6840d1" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/2854938dae0792af952a3f5ffa268538aa6840d1" data-origin-width="1155" data-origin-height="709"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/f9513641e7412342f297934a644eb3260f281eaa" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/f9513641e7412342f297934a644eb3260f281eaa" data-origin-width="536" data-origin-height="334"></div>