Health insurance advise
We are a family of 3 (2 adults+1 kid) where both me (41 yr old) and my wife (35 yr old) are working and are covered with health insurance from our respective employers for the family.
My employer covers with 5 lacs for the whole family
My wife employer covers with 4 lacs for whole family
Looking to take a policy apart from our corporate policy and request your advise for the same.
As of now, we are safe and healthy but i have a family background of health issues where my father operated with cardiac issues, has hypertension and blood sugar.
I would like to avail the super top-up plan advantage over base plan.
is it necessary that i should take a personal base plan and a super top-up or only super top-up?
kindly suggest should i proceed to take a family floater or should consider individual policies only?
What is the cover i should opt for?
which insurer and the policies which i can go for?