Ques: I want a critical illness plan. Kindly help me decide between a standalone plan and rider. And, suggest me some good plans and insurers.
Aged people should take a standalone critical illness cover and young people can opt for a critical illness rider. Best critical illness riders are Bharti AXA Smart Health and Apollo Munich Easy Health and among standalone policies you can choose among Reliance Critical Illness which covers more than 10 critical illnesses and Bharti AXA Swasthya Sanjeevan which covers 6 critical illnesses. Women can go for women specific critical illness plan covering 8 critical illnesses by Bajaj Allianz.