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Why online insurers don’t offer Critical Illness policy ?

Why online insurers don’t offer Critical Illness policy? Any guess?

I understand that online insurers hopes to serve to a class with a better longevity (better access to health services) and that’s why the online premiums are low. Then why is there an aversion to offer critical illness cover with online policies? They offer it offline but not online. Perplexing! Any ideas why?

 

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