Best health coverage over and above employer provided health insurance
I reside in a small town with little access to good hospitals/doctors/labs. I have bought a health insurance plan for both my (senior citizen)parents from Niva Bupa, for which I pay ~45k yearly premium. I am unmarried hence I haven't bothered about anybody else. My employer provides 5 lakh health insurance coverage for which ~10k is deducted yearly. I have no personal health insurance cover. I know this is risky at times but I am too confused between health insurance plans out there, as some provide coverage over and above the employer-provided coverage(top-up and super top-up) while some advice going for a family floater plan. Financially, too, it doesn't look a good deal to have two health insurance plans at the same time. My requirement is to protect myself from OPD visits(three to five times a year), lab tests, online consultations and serious illness at an older age, nonetheless, I need to cover my family after I get married. Kindly advise what is the best and most secure way to get such health insurance coverage.