A critical illness policy can be purchased by Indian citizens who are above the age of 18 and lower than the age of 65. Those who are more than 45 years old, are usually required to undertake medical check-ups prior to availing of critical illness health insurance. It is better to buy these plans when you are young since the premiums will be on the lower side. There can also be coverage for family members under a single critical illness policy with every family member being eligible to get coverage once in the tenor of the policy.
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