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Opting for a critical illness rider

Do not treat critical illness rider as a substitute to a general health insurance plan

Before making any decision, understand the difference between the two forms of insurance covers

Unlike a rider in a life policy, standalone policies can be taken for as much cover that you deem fit

The total rider premium under all riders put together cannot exceed 30 per cent of the base plan premium

The ‘Critical Illness Rider’ provides coverage in the event of detection of a critical illness to the insured

The payment is normally made 30 days after the critical illness is diagnosed

Adding life insurance plan for financial help at an early age will be cost less and remains for longer period.

The critical illness rider attached with a life insurance provides coverage in the event of a critical illness

The entire sum insured under the rider is paid to the policyholder on the diagnosis of a critical illness

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