Back-up medical plan a popular choice

I'm 45 and my annual health checks are great with no hint of the heart problems that killed my Dad and his Dad. My wife is 47 and in good health but smokes. My employer provides generous medical benefits for the family. I love my job and have no plans to move but my industry is fickle. Should I look for some sort of back-up cover?

via Business feed http://www.scmp.com/business/money/article/1287776/back-medical-plan-popular-choice