Health Insurance Base cover amount.
How much should be the base cover be, when there is restoration as well as supertop ups available. Is there any advantage of higher base if affordability is not an issue. Option A (10 lacs base + restoration + 90 lacs STU) vs Option B ( 20 lacs base + restoration+ 80 lacs STU), which one to go for a 40+ person with family. Option A is much cheaper than Option B, and generally I found advice of 10 lacs, so what is the plus points of option B..