Should I move from HDFC Ergo Optima Restore to Optima Secure?
This is Srinivas, 42 years old, working in MNC. I have a wife of 38Y and a kid of 8Y. I have taken a health insurance policy in 2018 "HDFC Ergo Optima Restore family floater" for 3 of us, with a base cover of 5 lacs, and now it with no claim benefit become (5 + 5)Lacs.
Now my insurance agent is suggesting switching to "HDFC Ergo Optima Secure Floater".
Now I don't have clarity on whether should I move or not. By the way, our family along with our parents are covered in-office corporate insurance cover.
Please suggest me, how can I proceed and also suggest if there are any alternate solutions.
Thanks in advance,