should I go with super top up plan from same company or different company
I have taken floater policy for my father and mother for the sum insured of 2.5 lakhs. The cumulative bonus in the policy is 2.5 lakhs. Policy Name is HDFC Ergo My health Suraksha silver smart plan. My father has Blood pressure Policy is more than 4 years old. Now I wanted to increase the coverage through hdfc ergo super top up plan. I have received quotation for the sum insured of 20 lakhs with deductible of 5 lakhs however the PED waiting period in the plan is 3 years. Which is higher than the other super top up plans .
Is it advisable to get the super top up plan from another company and have the base plan through other company ? for hospitalization Can I make cashless claim from both the companies ? or should I go with HDFC Ergo to avail cashless claim from both base plan and super top up plan or take super top up plan from other company with lower waiting period ?