I am planning to take Kotak PrefTerm plan fo 35 laks/30 yrs with Accidental Death Benefit 10 laks, Permanent Disability Benefit 10 laks and Critical Illness rider 10 laks. I am 30 yr old married man. I want to know if I contract a critical illness, will the sum insured decrease by 10 laks or is it over and above 35 laks. Insurance agent has told me critical illness cover is over and above the SI cover however the text on their site is ambiguous. Please do reply as this is important for me to know. Thanks in advance for your advice.

Answer

Your insurance advisor is very right. The cover in case of Critical Illness is over and above life insurance as you are paying additional premium for the same.


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