Shall I take an additional medical insurance policy or only a critical illness policy?

[Sahil]

I am the only earning member of my family of three (I, wife and son). I have term insurance from LIC of 25 lakhs, and paying premium Rs. 10,000 annually.

Shall I take an additional medical insurance policy or only a critical illness policy? If yes please suggest good policies and the cover required. Is there a medical insurance policy which can cover the period when one switches from one job to another?

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