India Health Provident Assurant India

Should you add critical illness cover to health policy?

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I am 28 years old and plan to buy a health insurance policy. Should I also buy a critical illness rider along with it?                                                        — Neha   It is a good idea to buy a health insurance early.

Apart from providing immediate coverage, it helps you accumulate no-claim-bonus, thus increasing your sum assured in a cost-effective way.

A critical illness plan is an add-on coverage that provides a lump sum in case of diagnosis of one of the named ailments. You should definitely consider buying a critical illness plan but check the number of ailments covered under the plan.

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