Existing HDFC Ergo Optima Restore plan and what Super topup to go with it?
I have a Optima Restore Floater for the last 10 years, with 10 lakhs coverage and 10 laks benefit over it. I Am 43 years old with no pre existing diseases and wife 37 yrs old. and a 10 yr old child.
Now i am thinking that when i m older i may need more coverage. So i have to make a decision.
Decision 1: Increase 10 lakh coverage to 20 lakh coverage with HDFC Ergo and then get a supertop from Care Enhance Supertop- plan 2 with 20 lakh deductible and 50 lakh coverage
Decision 2: Keep 10 lakh coverage with HDFC Ergo and then get a NIVA BUPA (MAX BUPA) Health Recharge Super Top-up with 10 lakh deductible and 50 lakh insured amount
Cannot decide which should be the right step up
My earlier option of doing this with HDFC ergo - HDFC Ergo myHealth Medisure Super Top-up is a challenge because the deductibles are super low at 5 l;akh and coverage is only 20 lakh in that.