Which is the best health insurance and critical illness policy? What about LIC Jeevan Ankur policy?


Q: I Deepak upadhyaya, 33 years from solan HP.
mujhe 1 health aur critical illness policy leni hai. Kis compani ki policy  lu . Jo best ho. Maine march 2012 me Lic jeevaa ankur policy li hai ye policy kaisi hai? Pls suggest me.                                                        

Ans:
Health Insurance of 3 lacs cover
Apollo Munich Optima Restore = 5042/-
Oriental Insurance Mediclaim = 3,444/-
Max Bupa Heartbeat = 4,703/-
Star Health Mediclassic = 3,300/-

Critical Illness
Tata AIG Criticare = 3,237/- for 5 lacs
ICICI Lombard Critical Care = 2,506/- for 6 lacs 

LIC Jeevan Ankur Plan is a child benefit endowment plan with bonus. This plan has been designed so that the benefits are payable for the child’s future even if the parent does not survive till the end of the policy tenure.
In this plan, premium needs to be paid till the end of the policy tenure. The Sum Assured + the Loyalty Additions would be paid as Maturity Benefit irrespective of whether the parent is alive or not. However, if the parent dies within the policy tenure, the basic Sum Assured is paid as Immediate Death Benefit and the policy continues. There is a further payment of 10% of the Sum Assured every year from the date of death of the Life Insured till the end of the policy tenure as Income Benefit. The Maturity Benefit is paid when the policy tenure is over.

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