Queries for floater plans
I am looking into buying a floater plan for me (35) and my wife (34). Until now we have always relied on our work place provided Health Insurance. Both me and my wife have had decent cover from the company provided plans, which we have included our parents too. I have included my parents in my cover, where as my wife has included her parents in hers. These plans have helped us with COVID hospitalization claims for our parents without any issues.
But now I am planning to take a separate plan for me and my wife. Few couple of queries on that.
1) Max Bupa Reassure seems quite adequate fit. Would a base cover of 10L suffice? Or do we need any additional super top-up. We don't have any PED to consider as of now.
2) Suppose, when we have a baby a year or 2 down the line, how can I add the baby to the family floater? Do I need to take a new plan or there will be just a change in premium?
3) Will buying from websites like coverfox and policybazar be more useful then directly from the insurance provider website?
I am open to any other suggestions or options.