Very high premium for Corporate NIA plan
Due to chronic health issue, I don't have retail health plan. I am currently enrolled in Corporate base cover (SI 3L) health cover (NIA).
I noticed that premium for SI of 10L is 42,000/- vs 12,000/- [same NIA plan in retail market].
I am not too keen on topup plan of SI of 10L as premium is too high compared to retail cover, also there is co-pay of 15% and they have room restrictions.
Please suggest me should I go with topup (of 10L) of corporate plan or work on building up health corpus?