Bajaj Term life CI rider
I have 2 questions on Bajaj's term insurance policy which I was thinking of taking.
1. Bajaj Allianz in their CI rider under their smart term insurance policy document says that the premium for CI rider is subject to change every 5 years. Is this common?
2. CI rider premium under this policy for 55 diseases costs only about 1/3rd of that of what max (64 diseases) or ICICI (34 diseases) or Kotak (34 diseases).
What am I missing?