I want to buy a Health Insurance Plan for my family and have zeroed in on 3 plans
I want to buy a Health Insurance Plan for my family and have zeroed in on 3 plans Max Bupa Reassure, HDFC Ergo Optima Restore and Aditya Birla Activ Health Platinum - Enhanced after going through various plans and their brochures.
My Family (Myself - Age (Mid-Thirties) , Spouse - Age (Mid-Thirties) and 2 kids)
But Challenge i'm facing currently is to decide whether i should go for Base plan of SI (Rs 25 Lakhs) alone or Go for [Base Plan (Rs 10 L) + Super Top-up (Rs 25 Lakhs)] with the same insurer , Are there any critical points to take into consideration before finalizing the option ? Also any advice on which plan out of these 3 would be best will be highly appreciated and Vital. Thanks in advance.
Note: I've arrived at SI amount of Rs 25 Lakhs after going through various posts on Beshak forum and advice given by experts that today SI of Rs 10 Lacs may be sufficient but after 20 to 25 years it may not be sufficient considering health inflation of 5% P.A. So its better to have sufficient coverage at the earliest as in old-age it may not be possible to upgrade plan due to higher chances of rejection by Insurance Companies due to various factors. Please suggest if the thought process is appropriate or not.