Critical Illness Policy Vs Critical Illness Rider! :Pankaj Mathpal

A critical illness insurance policy provides cover against life-threatening illnesses such as heart attack, Coronary artery bypass surgery, renal failure, cancer, liver transplant, etc. Critical illness cover is offered in two options - standalone policy and critical illness rider. A standalone policy is a plan that provides comprehensive coverage for critical illnesses. in this video, we are discussing the difference between Critical illness policy and Critical illness rider.
This video is for educational and informational purposes only. Viewers should consult their financial advisors before making any investment decisions.
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[@mansikamra2516]

Sir, wow! Simply wow. Thank you from the bottom of my heart for this level of information!

[@ankitm511]

Thank You very much Sir for your detailed explanation . You have taken up a very important topic which is generally overlooked when purchasing term insurances

[@bibhubrata]

Very well explained. But I have some counter arguments in favor of the ci rider. As you rightly said in the beginning, critical illness insurance are for income protection. So, if they expire along with the term insurance, why is it a problem? 1. I am retired, no dependents 2. hospital expenses are taken care by health insurance 3. retirement planning is in place hence no income protection needed. Based on above points, it doesn't make sense paying the huge premiums of stand alone policies over the years.i could invest them and accumulate instead. Also, I think you are wrong in saying that the premium of stand alone policies is lesser then the ci riders for an early age. I think you are considering premium for term insurance+ci rider

[@shefalipradhan5516]

One of the most educational videos on the net which gives insight on rider vs critical illness stand-alone policy. Thank u for sharing this information.

[@pankajmathpal]

Thank you, Shefali!

[@praveenkumar-kw8nr]

VERY WELL EXPLAINED MY AGE IS 40 YEARS. MAI TERM INSURANCE AND CRITICAL ILLNESS RIDER ALAG ALAG LENA CHAHTA HO. PLEASE KUCH ALAG ALAG COMPANIES KA COMPARISION ME VIDEO BHI BANAIYE. .AAP K BATANE KA ANDAZ BAHUT ACCHA HAI. I LIKE IT VERY MUCH.

[@ashishsanadhya111]

I have tried to find out all the available information online but your video is GEM. It answers all the questions (y)

[@pankajmathpal]

Thank u Ashish for watching the video and appreciating my work.

[@sumantasen10]

Excellent video sir!! Please make a video regarding stand alone critical illness pocilies. This will help us a lot. Thank you.

[@funnybhai3841]

Very good information sir It clear my doubts. Ye information to insurance agent kabhi nahi batate.

[@paldentsering9866]

बेहतर यह होगा हमें समझने के लिए आप दो से लेकर तीन तक टर्म इंश्योरेंस सेलेक्ट करके उसकी कि क्रिटिकल इलनेस राडार etc बारे में बताइए . मैं अकेला नहीं जहां तक बहुत लोगों को समझ में नहीं आ रहा है कि आप क्या बोल रहे हैं।

[@pawaryash007]

Very well explained. Thank you.

[@ShailendraSingh-ww6qk]

In a very proper way, details has been described. Thanks

[@ravikumarmarri3851]

Please comment on Aditya Birla critical insurance policy ' Active secure ' which is covering 64 diseases ..thanq sir ...nice presentation

[@utkalmohapatra7483]

Thank u sir for education us.

[@kavinash.]

Thank you. Pls share best CI policy plans with best settlement ratio as per 2023.

[@hemantnikalje]

Excellent information presented in this video sirji ... Can you plz compare HDFC Vital and ICICI Critical illness or any other top 2-3 Critical illness covers provided by Top 3 stand alone critical illness policies available in market. Also one important suggestions sir please post one video comparing Best Top 5 Super Top health insurance policies available which has highest Claim settlement ratio or good Insurance coverage ratio (ICR) and has hassle free claim settlement process and covers maximum features with no Copay pay charges. Kindly suggest I have to buy policy

[@chahem]

Future Generali same premium every year.

[@alankrithramesh7282]

Sir, can you give a list of best stand alone critical illness policy companies. Also, please make a video on how much critical illness cover should a person take?

[@pankajmathpal]

I'll make a video on it.

[@thinkersmovers3922]

If one has taken critical illness rider in a term plan and also taken critical illness cover. Then on contacting critical illness, does both policies pay??

[@nileshchauhan1227]

Sir, just want to know. What is waiting period for critical illness if we but today.

[@sakthivelchinnasamy4976]

Thank you very much Sir for your valuable information Useful information and Honest review Explanation is good

[@Shalmonsunny]

Very detailed info which no one else shared on youtube.

[@pranavbadgujar6354]

Great explaination sir. Instead of watching 10 different videos of 5-6 minutes, this 1 video cleared all my doubts. Thank you sir

[@vikramaralikatty57]

Sir Superb Video Small suggestion:- You can explain about what are the critical illness available by showing the list of diseases

[@pankajmathpal]

I appreciate your suggestion. I'm planning to make another video covering few critical illness plans and I will incorporate your idea in that video.

[@pradeepdas3486]

Thank you sir.. please give us more video

[@vikrantaher8655]

Thanks for the wonderful explanation

[@debjitash8378]

Please suggest stand Alone critical illness policy company name and plan. I am thinking for Manipal Cigna ?? Is it Good or I should move another.

[@sarojrout6190]

Thanks🙏

[@pratikshah3662]

Thank you sir for excellent guidance.✍️🙏🙏

[@babitadas9986]

Lic ka koi critical insurance plan hai kya

[@cavijayraj1418]

Which is best critival policy

[@biplab2311]

Which term plan is Best Pls suggest

[@g.bharat7070]

Life time critical illness polcy ki avashyakta hai । Kaun si company se consult lein.

[@captainh1989]

Sir, ye mera query tha jisko leke main thora paresan tha, aj apne pura video banake confusion clear kar diya... Icici pru heart cancer 'policy' hai ya rider hain.. as you told policy premium fixd and defined benifit, that must be rider.. but in brocheure every place they are termed as 'policy'

[@pankajmathpal]

I got the idea of this video from the query you asked me last time. ICICI Prudential Critical Illness benefit is available as a rider and ICICI Prudential Heart and Cancer is a stand-alone policy. These are two different plans. ICICI Prudential --Heart and Cancer policy will cover only two illnesses. ICICI Prudential Critical Illness Rider covers 34 illnesses.

[@captainh1989]

@@pankajmathpal ok, thanks for your concern towards your subscriber query.. really dil garden garden ho gaya.. thank you, with loads of ❤️

[@dattatrayasuryawanshi3326]

Thank you sir

[@rahul.7810]

Wonderful.....sir... please make such videos more....

[@prosenjitsingha587]

Super explanation sir

[@theclassyfest5779]

48 ki age me term plan le lu kya jo 85 ki age tak cover kare please 🙏 tell

[@avinash6292]

Thanku sir for good information 🙏🙏

[@pankajmathpal]

Thanks for watching the video and appreciating it.

[@avinash6292]

@@pankajmathpal 🙏🙏

[@kshitijsingh636]

very informative and helping video..Thanks a lot sir

[@ihsaashi11]

Sabse important salaah after 14:55

[@AshokKumar-go6pg]

bahut badhiya sir ab policy bataye magar jo garib log bhi le sakey pls

[@somya0009]

Isn't it good to take 80-90yrs Term insurance ? Because at that time 15K-20K charge per year will not be a big deal and even if we die because of old age, Children will get good amount

[@satz8783]

Last 60 yrs hi hai

[@abhayware8969]

Sir, icici ka example ki jagah aegon life I turm plus ka 36 critical illness cover hai. 80 age tak riders hai. Religare health critical policy ka government employees ko kya fayda claim to one time hi milega.

[@soinc1158]

Very helpful.thanks

[@HiteshDubey1]

Very detailed Sir, thanks

[@dharmendrashah7572]

Nicely explained.

[@pankajmathpal]

Glad you liked it. Thank you!

[@amarbhandari1103]

Very genuine Review.. Unbiased..

[@syed7451_civil]

Sir Mera age 28 h also nera health insurance h 10 lakh ki. Medical history nehi h. Kya mujhe critical illness insurance lena sahiye

[@avinash6292]

Sir plz tell which company critical policy is best....plz make video thanks

[@pankajmathpal]

I was thinking the exactly same thing. Thanks.

[@avinash6292]

@@pankajmathpal ❤️

[@nayansinhvansiya6308]

Lic me crtekalinlls ka opshen hotahe jo kastmerk lane chaiye k nahi sir or ko ko shi bhimarei cavear kartea ha

[@bidhan0001]

list of standalone critical illness policy providers?

[@kamalveersingh5506]

Mare wife ki age 39 year hai whoue wife hai kya me apni wife ke liye critical inlles policy 40 lakh sum insured ki buy kar sakta hu kya ye policy log life renuwal ho ge

[@rahulgupta-pj8xt]

Shaandar explanations

[@ankitpandey1527]

Private company critical illness or government critical illness plan like LIC should I take ?

[@kunalkp]

Thank You Sir Very Good Information.

[@kumarverma9735]

Keep it up sir, i have few questions like, my mother is 58 and father is 64 years old, so which type of life insurance policy would be better for them term or what? I m 40 years old and which life insurance policy and which health insurance policy would be better for me with good benefits and less premium but facilities should be good also

[@maliamit8690]

Will you please suggest best term insurance

[@devkk2009]

I am aged 34 Years. I am getting Tata AIA Term Rider of Critical illness with coverage up to 75 years. It covers 39 critical illness. Also it pays lumsum on diagnosed and survival for 30 days. It doesn't reduced original sum assured when payment is given for critical illness. What do you suggest ?

[@bahadursingh3406]

sir i am 75% pwd both lower legs, can i take term insurance plan? is disability rider available with it ?

[@bappasaha3715]

What would be best standalone critical illness plan??????

[@arvindjuyal9485]

Very good sir

[@rg50241]

Sir Can u pls review the only critical insurance plans in the market - ex: Critical Illness Insurance by Religare etc. as there is a big difference in the premiums between companies.

[@SidChatterjee]

Thanks Sir, very informative vide

[@vikrantaher8655]

Which are good companies with defined benifit plan for critical illness policy

[@rajeshmourya2653]

मेरी उम्र 50 वर्ष है। मुझे किस कम्पनी का क्रिटिकल इनलेस एलोन प्लान लेना चाहिए। मेरे पास स्टारहैल्थ का प्लान है व tata AIA का टर्म प्लान है।

[@j.r.6517]

Well Explained 👍

[@aaravkeskarlifevideo4876]

do you give personal advise and what is the fees

[@speaktruth5537]

पंकज जी , नमस्कार , मेरी उम्र 55 वर्ष है , क्या मैं हेल्थ पॉलिसी और क्रिटिकल इलनेस पॉलिसी अलग अलग कम्पनी का ले सकता हूँ ? कृपया यह भी बतायें कि कौन सी पॉलिसी मेरे लिये बेहतर होगी ?

[@suchetadas510]

Very informative video👍👍

[@hariprasadgurupawar1166]

मुझे टर्म प्लान लेना है| पाॅलीसी बाजार, ईटी मनी जैसे थर्ड पार्टी से लेना चाहिए या फिर इंशुरन्स कंपनी कि वेबसाइट से लेना चाहिए. उसके फायदे नुकसान बताए प्लीज.. Rply Sir......

[@patitapabandas462]

Make a video on TATA AIA ULLIP surakha supmure + CA archana ji ne ise achha bataya he

[@gardenscapes9983]

Very informative Sir..

[@ashwinibhootra7080]

ankylosing spondylitis star health policy critical illness Disease Me aata he kya

[@sumalife212]

Sir please check the conditions of critical Illness approval .do you suggest any insurance which doesn't have these clever loopholes? And it's honestly wants to give the claim amount?

[@VlogerIDIOTS]

Sir meri maa ko 1st stage cancer detect hua hai......koi medical policy nahi hai..... please guide kare me kya karu kaunsi policy lu... hamari financial condition acchi nahi hai

[@ankitmahato9566]

My mother is diagnosed with Rheumatic Heart Disease and had a stroke on sep 2020...can I get any health Insurance or Critical Illness cover

[@untoldmelodiesbymala883]

Mere husband ne icici pru iprotect smart term plan le rakha h. Usme accidental rider b hai for 50 years. Means unki 78 years tak. Kya ab usme critical illness rider b add kar sakte h kya? Ya critical illness k lie alag se policy leni chahiye for family?

[@anirbandey8999]

Excellent video Sir. Could you suggest some good stand alone critical illness policies in India. Also do critical illness policies cover for disability due to accident?

[@khushalmandyani2194]

Sir thanks for the comparison Can u pls compare rider premium per. Lac vs stand alone premium per lac age wise ,and no of illness covered, waiting period and renewability etc Thanks

[@lailavelani6544]

Which company is better to take standalone critical illness policy?i am 55 years old

[@pushpendrasingh5333]

Which company is batter

[@sumitskale]

Can you review Max Bupa Reassure?

[@shivshaktisingh8049]

सर मैं आपका सब्सक्राइब हु मुझे आपसे एक सलाह चाहिए Main Ek term insurance policy HDFC Click 2 protect plan liya tha Jiska Ke Mujhe a soft copy email per Mela Hai Koi hard copy Nahin Hai koi problem To Nahin Hogi na please reply.

[@luckumathur7938]

Company ko mail dal de send hard copy..AA jaegi

[@non-dualist]

SBI when someone goes for life insurance claim: "Lunch ke baad aana"

[@jaymishra4813]

Icici prudential Life cover 3 point Any kind of death Permanent disability cover / waiver of premium Terminal illness say 4 to 5 month person not suveriver so refund in sumassurd Life pluse Accidental death benefit no natural death count Life health Critical illness major bimari

[@non-dualist]

Please keep videos short 12-16 mins.

[@ashwinsuthar5432]

Nice video...very helpful 👍

[@gaurijayaraman5902]

Stand alone critical plans seem to have a max limit of 10 lakhs. If a higher sum of say 25 lakhs needs to be taken, rider seems to be the only option..any thoughts on this appreciated. Thanks.

[@manoshsarkar3360]

Check 1CR policy by aditya birla and religare. Newly launched

[@harshit0103]

Sir please disability policy ke uper videos bano

[@pankajmathpal]

Ok. I'll do it very soon.

[@thakurdevchandravanshi4856]

Good

[@whenitravel9122]

Lic ke policies mein koun koun si riders leni chahiye? For example Jeevan Labh

[@pankajmathpal]

Meri rai me kewal Accidental Death Benefit Rider lena chahiye.

[@ameenali1152]

सर मैंने मैक्स लाइफ का 50 लाख का टर्म प्लान लिया है । जिसमें 25 लाख का एक्सिडेंटल कवर और 10 लाख का क्रिटिकल इलनेस कवर मई 2020 में लिया है । तो क्या मैं इसमें से क्रिटिकल इलनेस कवर निकल सकता हूं या मुझे इसे बंद करके कोई और टर्म प्लान लेना चाहिए। मैं कवर 70 लाख का लेना चाहता हूं । मैं केंद्रीय कर्मचारी हूं तथा सी.जी.एच.एस. से कवर्ड हूं ।

[@pankajmathpal]

www.maxlifeinsurance.com/content/dam/corporate/Riders/Max-Life-Group-Critical-Illness-Secure-Rider/Max-Life-Group-Critical-Illness-Secure-Rider-Prospectus.pdf आप एक बार अपनी इन्स्योरेंस पॉलिसी का डॉकयुमेंट पढ़ लें। मुझे कंपनी की वैबसाइट पर ग्रुप क्रिटिकल इल्लनेस राईड़र की जानकारी मिल पायी जिसके अनुसार राईड़र को टर्म प्लान के साथ ही कैन्सल किया जा सकता है, अलग से नहीं।

[@krunaldesai2711]

Sir, Thank you very good information... I am looking for TATA AIA term plan with whole life plan.. Critical illness rider is coveed till 75 yrs of age.. My current age is 37 yrs.. I already have 1cr term plan with aegon.. I am confused should i take separate critical illness (since it will have portability and standalone benefits)... Please suggest for critical plans..thanks..

[@theanglointernationalschoo4633]

i am 51 year old running school till date i have not taken clerical illness policy i have taken health insurance .suggest me which policy should go for? l i took 3 LIC policies but rider i have not taken.

[@g.bharat7070]

stand alone benefit ke liye critical illness policy kisse lein। Contact no share Caren please Sir. Mera problem solve nahi ho paa Raha hai.Main bahut pareshan hoon. Kindly contact no dein so that problem share karun.

[@arvindnagar6079]

स्पष्ट व्याख्या !!

[@pankajmathpal]

Thank you Nagar ji!

[@pb1431985]

Thank you very much for explanation. As you are planning next video to compare policies of critical illness, I have specific question on cancer policy. Report is published 2 days back that cancer patients will be doubled in India by 2025. So if someone wants to buy cancer policy in addition to critical illness policy, what will be benefits? Will it cover stage 1 cancer also? I am checking prospectus but would like to read between lines.

[@pankajmathpal]

I appreciate your suggestion. I'll answer your query in my next video.

[@pb1431985]

@@pankajmathpal Thank you very much Sir

[@deendayalpandey5264]

Jeevan lakshay policy five lakh Esme raidar ke sath diya Kaya raidar rakhana chahia

[@divyanshu1774]

क्रिटिकल inles कितने प्रकार के होते हैं एलआईसी में कितने प्रकार के होते है

[@kartikraina3560]

After 65 years of age , sum insured of standalone critical illness policy is very low not exceeding even 5 lacs....!!!!!!

[@surokrish]

Max Life given 64 Critical Illness now. Highest in the market