Hi Babu,

You may stick to the plan Optima Restore is a good plan, no need to get too adventureous. At time of renewal try to add protector rider. It will be helpful in the long run.

Regards

Rohit Dhingra

Hi,

Like Rohit mentioned, you may stick with the Optima Restore plan since it's one of the top best health insurance plans available currently

While renewal either add the protector rider as Rohit mentioned or check and switch to Optima Secure plan which has few added advantages like double coverage, inbuilt secure benefit (non-payable items are also paid at the time of claim) and also has Ayush coverage unlike Optima Restore plan.

May I know the reason why you are thinking about switching? Do you find any disadvantages in the current plan or you found a better plan elsewhere?

Unless you see a concern, it's better to continue with the same plan and company. Additionally you may take a super top up plan it required.

Thank you