Protection against critical illness can be taken up in two ways: as a standalone policy, or as a rider with a medical/life insurance plan

Many individuals end up subscribing to a health plan without due diligence only to claim income tax benefits on the premium paid.

By assessing his or her financial position and requirement closely, one can plan and financially prepare against medical emergencies through a medical insurance plan.

A health insurance claim protects an individual from the prospect of large financial burdens resulting from an accident or illness.