Critical Illness Insurance: Standalone Policy vs Rider Guide
Exhaustive legal and underwriting guide comparing Standalone Critical Illness Insurance vs Term Life Critical Illness Riders in India. Learn the lump-sum benefit payout model upon diagnosis of 36+ IRDAI listed critical conditions (cancer, stroke, myocardial infarction, major organ transplant), the 30-day survival period clause, waiting period rules, exclusions, Section 80D tax deductions, and claim settlement proofs.