The advantage of buying sum assured together is that the waiting period on PEDs would run together. So, after a block of 4 years, you will have the full sum assured. Also, with a higher sum assured, you get no claim bonus on the full sum assured.
The advantage of buying sum assured together is that the waiting period on PEDs would run together. So, after a block of 4 years, you will have the full sum assured. Also, with a higher sum assured, you get no claim bonus on the full sum assured.