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Is Critical Insurance really needed when you have high Health Insurance ?

Hi

I took a Family Health Insurance from MaxBupa for coverage ( 5 + 15 lacs ),  before taking this policy i have critical illness policy for 25 lacs (AVIVA), now the query is –  Is there a need to continue the Critical Illness policy from AVIVA, since i have a Health Insurance policy with Cover to a Maximum of 20 Lacs.

Please advise.

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