Regular mediclaim policies generally offer superior long-term protection against cancer compared to critical illness plans, as cancer treatment is often prolonged, costly, and may require repeated interventions. While critical illness plans provide a lump sum payout, they may not cover the full spectrum of ongoing care. Mediclaim policies, with their yearly renewal and comprehensive coverage for various modern treatments like immunotherapy and oral chemotherapy, are better suited for the extended and recurring nature of cancer care, which can exceed Rs 30 lakh and deplete savings.