You might debate that as you are covered in a comprehensive health insurance plan and also under a group medical policy offered by your employer, you do not require any additional coverage. Well, yes, but any critical illness calls for specialized treatment & care and as your comprehensive health plan has limitations on hospitalization, doctors' fees, etc. it will not cover the entire medical expense towards treatment.
According to the World Health Organization (WHO), Cardiovascular Diseases, Cancer, Stroke, and Chronic Obstructive Pulmonary Diseases are significant health ailments in India that require critical illness coverage.