Surendra,

You can stay insured with Star Health Family Health Optima. There are no specific shortcomings in this plan. The other comparable or better plans from other Insurers are around 20 to 25% more expensive than FHO.

However, I do feel that your total coverage of 5 lacs is inadequate. You should complement your Star Health policy with a super top up & enhance your total cover to at least 20 - 25 lacs on a family floater basis. Speak to your insurance advisor about it or check them on Policybazaar.

One more point. If your son doesn't have any pre-existing medical conditions, you can leave him out of your super top up as he is unlikely to have any major hospitalization. He'll anyways have his own health insurance in a few years as he starts his family.

Best Wishes,

Asad Akbar