Hi sir I'm looking to insure my parents (aged 53 and 45) . We have moderate paying capacity around 20-25 k for insurance premiums at the moment.

But down the line the yearly hikes in premiums and age related increase makes the future premiums of some policies( hdfc Myhealth suraksha silver, too costly( above 1.5 lac per year easily)

In view of the above fact, what are your views about Sbi General Insurance health plans and Star health.

Or should I go for PSU floater plan. (heard quite negative reviews from hospital staff about Star,No idea about Sbi general)

Sbi general is providing health plans at dirt cheap prices( 3Lac. Floater Arogya Plus at 10500) but i have no idea about their claim settlement track record and commitment.

Plz suggest if any of these seems a better option :

1.Arogya plus (3 Lac) + 10 lac super topup of 3 Lac deductible from HDFC/Bajaj

2. United india floater mediclaim (5 Lac)+ United India Supertopup 15 Lac of 5 Lac deductible

3. Star health family Optima/ Hdfc myhealth suraksha (5 lac) + 15 Lac supertopup