Health insurance policy for family with or without super top up
I have two questions
1)I am planning to take a health insurance plan for myself (age 31) and my wife (age 28).
I have decided for hdfc ergo optima restore for a si of 10 lac.
Should i take a super top up with this or continue with the base cover as the SI will be restored once you exhaust it.
And also is the plan a good one.
2)There are other 1cr plans which have attractive premiums ,but i am in doubt if we should go with this as the premium might increase going ahead.
What do you suggest ,option 1 or option 2 ?