Portability of health policy and Top up policy from same company or different company?
I am having a health policy from CARE having SA value of 10 lacs. It's premium is 21000 for my family( me, spouse and a kid). It seems to be on higher side after a little bit of comparison. Here , I have two questions.
1) first is about portability of my policy to some other better policy. Can somebody please suggest which policy would be best to switch to and is it advisable to switch?
2) second is about,a top plan. Top up plan of care is very costly. For a SA of 10 lac , premium is 6000. But other policies seems to be very cheap. For example, max bupa policy is costing me 1700 for SA of 90 lac. Can somebody please suggest if I am taking Max bupa policy as top up, then will it ceate any difficulty in making claim as my main policy is from CARE. Also, is max bupa policy fine or do I have any other better option.
Thanks in advance.