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Date : Mar 12, 2009


I am interested in Taking Critical Illness policy. Will it be better to take a separate policy for this or adding a rider would be better. please suggest


If you take separate policy for critical illness, you need to renew it every year or  after a specified time which ranges from 1-5 year. During renewal insurance company can deny renewal on account of changes in your health condition.

If you take critical illness as a rider it is fixed for the term of the base policy, so you don't have to worry about renewal.

Premium is almost same under both options, but compare both options on the basis of  diseases covered. Choose the one which cover more number of diseases or provides cover for diseases occurred in your family history.




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