for senior citizen as long as the age is below 60 & is healthy I thik maybe they can opt for Allianz PowerLink because its really worth to buy & affordable.

Cheap is one thing but if dignose critical illness yes the medical fees can settle but how about other commitment?Whole Lifwe policy inclusive Life & 36 Critical illness is it better?At least the lump-sum payment can use to pay for monthly commitment during the sickness period.