bought term insurance of rs.50 l with ADB rs.10 l, PDB rs.10 l and CIB rs.5 l riders before one year. but now i think to continue ADB rs.10 l, PDB rs.10 l for relatively nominal premiums and clear terms by their nature, but CIB rs.5 l is rather not comprehensive to include all critical illnesses, as normal for such rider, with premium @35% of basic premium, so better to discontinue CIB. also for KISS, better to keep health insurance and life insurance separate, don’t mix. it is also the condition that in case of availing CIB, the basic term insurance would get curtailed by that a/m.
KINDLY COMMENTS AND ADVISE ON MY THINKING.