Does purchasing separate health insurance offer greater value and flexibility compared to paying a higher price for this coverage?

My Kotak Life e-Term Plan policy is presently in its 30-day freelook period, which is going to finish in 3 days. The policy covers me till I am 60, with a critical illness and accidental disability rides costing me ₹1150.
CI coverage is 15 lakhs, which includes 62 illnesses.
Some advised me to include the CI rider. However, the rider costs 65% of my regular premium and has many terms and conditions. Do I have to keep it?