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More flexible but less comprehensive

You can buy a term plan and a critical illness plan separately

Priya Nair 

If you are looking for protection, the first insurance cover to buy is a term life insurance plan to take care of your family’s financial needs in your absence. Another important cover to have is a critical illness (CI) cover, which can pay for treatment and provide an alternate source of income if you lose your job due to illness. You can buy a term plan and a critical illness plan separately. You can also buy a term plan which has the critical illness rider. But what if you have the option to convert your term plan into a critical illness cover if required?  IDBI ...

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