Critical illness plans are most effective when bought early. The health risks are minimal when you're young and will thus fetch you a low cost cover.
A heart insurance cover is vastly different from a regular medical insurance policy
Keep in mind that a standalone critical illness policy can be ported to other insurers but critical illness rider alone cannot be ported.
Experts always suggest opting for a standalone critical illness policy alongside a comprehensive health insurance plan
Health insurance is a comprehensive policy which takes care of your medical, hospitalisation and surgical expenses
Those with a pre-existing disease can even get a health policy while sitting in the comfort of their home