critical mediclaim or super top up above health insurance?
I have a family floater health insurance plan of 4 lakhs plus 1.5 lkhs no claim bonus from care insurance. i also had critical Mediclaim from same provider for 10 lakhs each for 4 of us. the critical Mediclaim premium is around 7000 yearly and got expired 15th July 22.
I wanted expert advice whether super top up of another 10 to 20 Lakhs with lesser premium is better or to renew the expired the critical Mediclaim since the latter only pays for actual hospitalization expenses which the super top should also cover. right?