Best Super top up plan in market with max disease cover
I have been looking for a super top up plans for myself at the age of 31. I am a working individual hence my company provides a health insurance with cover of 3L. But I dont feel this is sufficient in the long run. I want to have a minimum cover of 20L with a deductible amount of 3L or 5L.
Also I dont have any pre-existing conditions
can someone please let me know which is best super top plan available in the market presently based on the mandatory requirements.
1-Should cover all modern treatments like stem cell therapy, balloon sinoplasty, etc.
2-Should cover mental illness.
3-Minimum Exclusions of the diseases
4-Should have an option to cover into base plan later
6-Best Claim settlement
7-Should cover organ donor transplant and Inter congeniality diseases (in short should cover maxmum diseases possible)
Please let me know your suggestion on BajajAllianzExtraCarePlus, StarSuperSurplousGold, Max Bupa Health Recharge Super Topup, Aditya Birla Super health top up
and feel free to give any more suggestion.