Dear Bhavna

Ideally a combination of Health Insurance and Critical illness is recommended . However . You can supplement your health cover by taking an additional cancer cover .

It all depends on budget allocated towards health insurance .

Benefits of Health plus Critical plus cancer

1. Health covers treatment cost of cancer at all stages as or expenses incurred by you .
2. Critical insurance is a fixed benefit plan and pays sum assured on stage 3 or 4 of cancer. Purpose of critical insurance is compensation if income loss and not pay you treatment cost . Once availed, critical illness is over and continuity would be decided by insurer .
3. Cancer insurance identifies cancer as long term treatment system hence promises to pay fixed amount as per stages of cancer. So it starred paying from early stages to terminal stage . Cancer insurance continues for full duration .

All three are independent products and offers compensation .

So if you have budget then go ahead .

Shailesh

Insurance Samadhan