Health insurance from Max Bupa
I am looking for buying health insurance policy (Family floater) from Max Bupa with sum assured of 50 lacs. However, there are multiple choices available in Max Bupa, namely - ReAssure, Health companion & Health Premia. Within Health Premia product, they are offering Gold plan & Platinum plan (with higher sum assured of 1 Cr). I am at loss on how to select the product which is optimum and which covers the most needs. (I am 53 & my wife is 49 year old. Two kids are 15 & 21 years old. Wife is on regular medication for Diabetes & Thyroid. I am told there will be some loading on premium because of Wife's PED but policy will get through.) Please guide.