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How to choose critical cover amount?
The critical cover should be bought considering your age, family history, type of job and inflation. You should take in consideration of average treatment charges, hospitalization charges and any loss of income due to illness. For e.g., Average cost of heart surgery in India is around ₹5 Lakh, Average cost of organ transplant is in India is around ₹20 Lakh, Average cost of cancer treatment is ₹20 Lakh. It is advisable to take critical illness cover of ₹20 Lakh.