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Under Critical Illness insurance while selecting the level of benefit, does the client exercise his choice or does the insurance company make a decision ?

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Under Critical Illness insurance while selecting the level of benefit, does the client exercise his choice or does the insurance company make a decision ?

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Under Critical Illness insurance if the client is financially well off then he can go for a higher level of insurance. If his annual earnings are less then he cannot opt for a higher level of benefits. Basically, the level of benefits depends upon the earning capacity of the person.

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