policy option of (Base + Super topup) Vs single 1 crore policy
I have a base policy of MY:HEALTH SURAKSHA family floater for 5L, ( 16,663 premium)
"my: health Medisure Super Top Up" of 15L ( with 5L Deductable) ( 414 premium).
both are HDFC ergo. currently, 2nd year is running.
considering the current situation is there a possibility of an increase in the coverage amount of existing policies. or is it better to take an additional super top Policy with more additional coverage?
and also recently seen from the website, about the new policy, HDFC ergo "my:health Koti Suraksha" too. (26227 premium)
or how about taking a single policy lapsing old ones. which is the best option.
Family members age ( 38Y,32Y, 3Y)
please share your views. What are the best options?
- Existing Base policy + Existing super Top up ( increase premium if allowed)
- Existing Base policy + Existing super Top up + new Super top up
- New 1 Crore single policy