Hi dear Basu sir, sorry to bother u again, but as a human being I can’t stop myself to ask question, got family, me 30 , wife 28, son 2.5 years, I m wondering about som issues, I have chosen policies like Religare care, Max Bupa health company, and star health, in this Religare care looks best, but suppose in future i get kidney failure or heart attack, or any dialysis process , is this possible in health policy, or should i go for critical illness cover separately, I mean some policies not covering life supporting system expenses, I need an insurance with inbuilt cover of critical illness, I know u r best person on earth to ask…GOD BLESS, awaiting reply, I want to cover up to 10 lakhs with some no claim bonus, I hope u got my problem, thank u for ur valuable time…love and respect, take care