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How may I decide the Sum Assured for Critical Illness Insurance?
Last updated on: February 23, 2026
The idea of Critical Illness Insurance is to protect the Insured Person's original income that is affected during the period of illness.
Therefore, it is recommended that you use two to three times your annual income as the total Sum Assured, which can cover your living expenses during the illness.
However, if you do not have other medical protection, you can also consider a larger Sum Assured according to your personal needs to cope with the additional medical expenses.
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