<b>Your money:</b> Disease-specific covers suited for high-risk patients

Such policies cover early stage ailments, too, unlike a comprehensive critical illness plan

While there is no denying that critical illnesses like cancer and heart ailments require specialised attention, is there a need for a specialised health insurance policy for such ailments? How useful are critical illness (CI) covers for specific ailments when there are CI covers that cover different ailments? 
 

PNB MetLife will be launching Mera Heart and Cancer Care, a CI cover that is a benefit plan. It is available for 10-, 15- and 20-year terms. It offers cover for either cancer or heart ailments or a combination of both. The company already has a comprehensive CI cover that covers 35