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Date : Nov 3, 2008


Sir, My friend is 32 yrs old & presently holding a health insurance policy with NIA. 2 months after taking the policy she was found to have high BP with slight damage to kidney function. Now after 8 months have passed, do u think she can take a critical illness policy? If so should it be a seperate policy or one attached to her present NIA policy? Thankyou.


Your friend can buy critical illnesses insurance but these diseases will be considered as pre-existing. Hence may not get covered for the same. But other critical illnesses will be covered.

Really speaking it doesn't make any difference whether you buy it as a separate policy or as a rider. Compare both options on the basis of covers and premium. if both provide same coverage buy the one with less premium.



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