Hi manish i think i ve mailed u the ntire article. Got some problem with my phone. It was posted on the moneyquest.com on jan 10,2010 headad as should we split our term cover.the analysis was however insurer wise n hence i think the cost he didnt go across different insurers. Please try to get it. I will try to get the link. Anyways i m prepared to go with two policies frm aegon n kotak e pref each worth 50lacs. How about it and kindly help me with some good health insurance company and the different pros and cons thanx