Planning to take Max life term insurance plan which has add ons for 22 critical illness cover as well as 64 critical illness cover. i need suggestion 22 critical illness with 10Lakh coverage is wise choice or 64 illness with 5 lakh coverage is wise choice. Anyone already taken? Please pour your suggestion..

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never mix both insurance folr sepratel forgealth insurance

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Yes. And take a simple insurance. Don't complicate them by adding unnecessary add ons, you can buy health insurance for them. They will cover these things far better and provide much bigger value.

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Yeah with health insurance I'm adding critical illness also so that for critical illeness i will get 80D tax benefits

I have taken one from max life.
30L for 64 Critical illness till the age of 75.
But I think I have taken a very costly cover.
Whatever you choose, just make sure that monthly payment should not exceed 5k

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Yeah taken for 5k only

Hi,
If plan A with 22 CI cover all basic illness you may choose it. And else if 62 CI plans change in amount is less than 5k, you may choose that as well. Just to add 5 lakh CI after 15 years is of no use(as usually plans are for 20, 25 years) and when I have checked the amount we spent for CI is very high , (recent change) and benefit is not worth. So you may take a pure life insurance and use the extra money as investment (if invested in mutual Fund or shares)and keep that aside as health emergency fund.

Thank you for the clear explanation. Useful

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