Medical insurance need depends on various factors like age, medical history , parents, etc. Once the insurance need is assessed, next question is to see how much insurance cover you already have. They can also split the policy into base cover and top ups instead of taking a total cover. Since normal medical insurance is on yearly contract, there are instances of insurance companies rejecting (or increasing premium significantly so that you drop out) because of big claim in previous years.Unlike the normal health insurance premium that will keep on increasing with the age bands (i.e. even without any claim), premium for critical illness cover will remain constant for the entire term.

Source: Economic Times October 20, 2016 04:18 UTC