Want to buy Top-up (Surplus or Add-on) health insurance policy
I am looking for Add-on policy of 1 Cr with deductible of Rs 3 Lakhs. I got quotation from Star Health Insurance with a premium of Rs 13192/annum (for three members, Max. age 45).
Similar plan from Tata-AIG is for Rs 23428/annum (global cover). Which one is better? I am afraid, will they cover all kind of health complications, or their will be some hidden cap on each disease/surgery. Restoration benefit will exist or not? Waiting period is 36 months for both.