HDFC Optima secure with 25K deductible
I am in the process of purchasing a health insurance policy. I have the following queries. It would be helpful if someone could clarify.
1.Optima secure is offering very low premiums if we select 25K deductible per year ie 25% reduction in premium. It seems to be a good option. For 20L base cover, the savings is almost 6K. Is it a sensible thing to opt for this cover?
2.In a floater plan taken on individual basis, will 25K deductible apply to all individuals separately eg: if my wife and i are covered, do we both have to bear 25K deduction each?
3.I also tried to find list of day care treatments covered, but its not specified in their policy wordings? Do they cover dialysis, chemotherapy and diabetes? Will they pay for medications required for diabetes as it is a life long disease?
4. If i take a floater policy now, will it be possible to split the policy into individual basis? what are the implications of doing that?
5.If i go for floater policy with 25K deduction, will it be difficult to find an equivalent policy if i want to port the policy to a different insurer?