star health red carpet renewal
my father is 73 year old, I have 5 lakh policy with star health red carpet senior citizen plan for him. Renewal is due in next 30 days for that policy. This policy got room rent cap, major disease cap, copay and so many sublimits. We live in Chennai so finding a room price in decent hospital will be around 8000 plus per day. Given all this policy limitation, is it worth to increase the sum insured to 10 or 15 lakhs in red carpet policy or no ?