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.


	36827	What is the formula for calculating the human lofe value?
	36826	Hi, I,m 26 year,married,have a doughtier.i do't have any insurance plan,should i take a term p
	36823	Hi We are seeking a best pension plan which gives us specific amount each month after retire
	36822	what will be the best insurance policy for my daughter , just new born.I want a gurranted retur
	36821	I am 34 yrs old and work in a private sector company. My spouse is a housewife. I am looking fo
	36820	Hello Sir, Please advise me the best insurance policy for my following requirement. I want t
	36818	partial withdrawls in ulip are taxable or not
	36816	How fair are private Insurance companies.
	36815	Should we get insurance from private companies
	36814	which is best LIC plan for female Child age 0
	36813	Dear Sir , Is it safe to get insurance from provate opeartors..cause in difficult times they
	36812	Dear Sir , I have posted this query before too..but unfortunately it was not answered..My con
	36811	Dear team kindly suggest the 1.life insuranc option (without money back) 2. with money bac
	36810	I am a officer in State Bank OF India aged 26 and looking forward to take a term insurance plan
	36809	Dear Harsh we are looking of a policy for our doughter ( 07 Months). The policy should help
	36808	which is the best pension plan scheme. I am 35 yrs old. so please suggest me one
	36807	Dear Sir , I 'm planning to buy Term Insurance plan but after I came to know about AXA and now
	36806	Sir, I would like to invest in some good SIP schemes for the studies of my children 8 year ol
	36805	Kly suggest me birla sunlife primelife
	36804	i want to know about the pention plan if i invest 12000 rs annually for 20 years and my age is
	36802	dear sir i want to purchase atermpolicy myage is44years ,want5000000 sum assured .anthor for
	36801	I have jeevan anand policy with lic for last 3 years with a Sum Assured of RS. 6,00,000 and jee
	36800	WHETHER BAJAJ ALLIANZ;S NEW RISK CARE II AND LIC'S AMULYA JEEVAN COVERS DEATH BECAUSE OF BOMB B
	36797	my age is 57 i have son age 26 year and grand son age 6 month. i want such policy when my grand
	36796	sir i want to know about my saral jeevan ulip policy of BSLI
	36795	I wish to take a term plan from LI of India ,with 25 lacs SA for a term of 20 years. The questi
	36793	Hello. I have paid 45000 Rs (15000 each year) in Max New York's ULIP. I then stopped paying pre
	36792	i want perfect comparion of retirement plan of various companies.as i am interested to invest i
	36791	MY AGE IS 22 YRS OLD MY ANNUAL INCOME IS 150000 WHICH INSURANCE PALN IS BEST FOR ME ?
	36787	What should be considered while switching funds of ULIP

Search Queries related to...

Question...

Answer...

Did not get what you were looking for? Ask an Expert

What is the formula for calculating the human lofe value?

Hi, I,m 26 year,married,have a doughtier.i do't have any insurance plan,should i take a term p

Hi We are seeking a best pension plan which gives us specific amount each month after retire

what will be the best insurance policy for my daughter , just new born.I want a gurranted retur

I am 34 yrs old and work in a private sector company. My spouse is a housewife. I am looking fo

Hello Sir, Please advise me the best insurance policy for my following requirement. I want t

partial withdrawls in ulip are taxable or not

How fair are private Insurance companies.

Should we get insurance from private companies

which is best LIC plan for female Child age 0

Dear Sir , Is it safe to get insurance from provate opeartors..cause in difficult times they

Dear Sir , I have posted this query before too..but unfortunately it was not answered..My con

Dear team kindly suggest the 1.life insuranc option (without money back) 2. with money bac

I am a officer in State Bank OF India aged 26 and looking forward to take a term insurance plan

Dear Harsh we are looking of a policy for our doughter ( 07 Months). The policy should help

which is the best pension plan scheme. I am 35 yrs old. so please suggest me one

Dear Sir , I 'm planning to buy Term Insurance plan but after I came to know about AXA and now

Sir, I would like to invest in some good SIP schemes for the studies of my children 8 year ol

Kly suggest me birla sunlife primelife

i want to know about the pention plan if i invest 12000 rs annually for 20 years and my age is

dear sir i want to purchase atermpolicy myage is44years ,want5000000 sum assured .anthor for

I have jeevan anand policy with lic for last 3 years with a Sum Assured of RS. 6,00,000 and jee

WHETHER BAJAJ ALLIANZ;S NEW RISK CARE II AND LIC'S AMULYA JEEVAN COVERS DEATH BECAUSE OF BOMB B

my age is 57 i have son age 26 year and grand son age 6 month. i want such policy when my grand

sir i want to know about my saral jeevan ulip policy of BSLI

I wish to take a term plan from LI of India ,with 25 lacs SA for a term of 20 years. The questi

Hello. I have paid 45000 Rs (15000 each year) in Max New York's ULIP. I then stopped paying pre

i want perfect comparion of retirement plan of various companies.as i am interested to invest i

MY AGE IS 22 YRS OLD MY ANNUAL INCOME IS 150000 WHICH INSURANCE PALN IS BEST FOR ME ?

What should be considered while switching funds of ULIP