Suggestions for Super top health insurance for mother
My mother ,46 age, no PED ,is insured with HDFC ergo optima secure with SI of 5 lakhs. it offers total coverage of 10 lakhs on first day itself. I am looking for super top up for her .
I looked for hdfc medsure plan for 20 lakhs coverage with deductible of 5 lakhs , ii has some unique features like constant premium after 60 years , but one major drawback I read is it doesn't offer modern treatment coverage , it's nowhere mentioned in policy wording and I re-confirmed it from hdfc customer care also . I was looking for hdfc because it is the same company as my main insurance and will offer seamless claim experience. But No modern treatment cover and 10%copay after 80age is kind of restrictive .
So please help me with ur suggestion for
1) does modern treatment should be in given top most priority or it can be neglected ? My focus on modern treatment is because only this treatments will require super top use otherwise for normal treatment base plan of 10lakhs will be always sufficient .
2) Please also tell me if hdfc medsure covers modem treatment or not ?( my inquiry may be wrong )
3)Any possibility that hdfc will revise the plan to include modern treatments as IRDAI also has mandated companies to include modern treatment
4)Any other better and affordable alternative to hdfc (except niva bupa , had bad experience with it )