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Critical illness - standalone premiums are really expensive

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25 Jan, 2022 by  Avinash Ramaswamy

Hello Experts,

I have downloaded e-book The Most Definitive Guide To Critical Illness Insurance and went through the pros and cons of CI rider vs CI standalone. Having said that, I still cant quite comprehend the argument in favor of standalone policy. When I checked premiums of Aditya Birla Activ Secur, the advisor told me that premiums will be revised every 5 years. On thier portal when I do some calculations - premiums increase exponentially after 40, 45 years so on.

I agree that number of illness covered is higher in standalone policy, but as your own e-book mentions, 90% of illness are in the common category.

In light of above, what are the most compelling reasons for stanalone CI cover ?

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Health Insurance

1 Answer

21 Feb, 2022
We breathe insurance :)

Hello Avinash,

In our view, both standalone and rider serve different purposes, and different persona of customers.

If you check our conclusory remarks we have clearly mentioned that Rider is a practical, cost-effective solution, and Standalone is an ideal, perfect solution. The differences have been explained very clearly, for one to map against your priorities and decide the next course of action.

You can now also get a free personal consultation from our curated advisors here: Top Verified Financial Advisors | Financial Planning Advisors |

Hope this helps.


Team Beshak

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