Icici Lombard vs hdfc ergo vs ManipalCigna
Which plan is better ? Icici lombard Advantage apex ( no Befit rider as its too costly) , hdfc ergo or ManipalCigna lifetime health with Opd 360 rider ?
Icici advantage has cheapest premiums .
Currently my age is around 28 years , unmarried ( planning to marry this year ) .
Should I look for maternity benefits too in health insurance ? Do both parents needs to be in same insurance for maternity benefits ?
ManipalCigna with opd benefits of 20k seems quite decent too. Any downsides ?
Also if we contract any disease after taking insurance, does it become difficult to increase SI in future ?