My Insurance Needs - Term +Critical + Employer + Floater?

[Matrix]

Missed attachment in earlier post:

[anotheritguy]

Thanks, but I see that it shows I need a 4 lac health cover and 1.5 lac Critical illness. In that case my employer provides me that and I should be good?

Also, I don't understand how come insurers can just stop critical illness cover on there whim? Isn't that what insurance is all about.

Also - If the premium of a health cover rises, does our cover also rise? I ask because at the same time the health cost are also rising.