Binod-Thre are sites which offer such comparative rates. But sadly such comparison not exhaustive in nature and not provide a clear picture all benefits. At the same time, such portals represent any particular company and they may push you to buy the particular product.
- Yes, many avoid critical illness because of complexity and the doubt of claim settlement. I strongly recommend you to buy only if there are any such family history of diseases explained in the proposal. It is the complicated product which you or me unable to understand (especially terminologies).
- Nothing to share from me as you already know about this.
- As of now there are no such plans in India.
- You have to calculate on your own based on your requirement by visiting individual company portal.
I agree with your view of separating your critical illness from Life and Health Insurance.