I have read some articles about choosing a critical illness cover but still need your suggestion before finalizing one. As per my understanding following points need to be included while choosing a critical illness cover:
1. Number of diseases covered (I have read details about ICICI critical care cover but does not get much help as I am not clear with some terminology used)
2. Policy term (I am aware that once full payment is made then this cover cease to exist)
3. Sum assured ( As of now there are options upto 1 Cr. I could not find any plan which offers to increase this cover in future)
4. Premium amount
Is there a site where I can get premium rates for critical illness cover?
I am of opinion that one should take CI as stand alone policy instead of rider from Life insurance companies or health insurance companies. However what is your suggestion to take this stand alone plan from Life insurance companies or health insurance companies.