HDFC Optima Secure for Father and Mother
Hey Everyone,
I was planning to buy a health insurance for my Father (55.5 would be 56 in Dec) and Mother(52 would be 53 in Aug, Thyroid and Sugar), i was thinking of going with the HDFC Optima Secure(and all the add-ons they provide) with ₹10L base.
I was thinking of buying for 3 years and paying the first year upfront with CC and then i would convert it to EMI and pay it monthly. Is this over all a good idea?
Also i am enabling the ABCD Chronic Care add-on only for Mom not for Dad because he doesn't have any Asthma BP Cholesterol or Diabetic.
Also this are their any pre checks/ pre tests which i should make them take? Like a full health checkup so that i can be double sure or something like that?
PS:- Parents Live in Tier-2 City ( Ranchi ,Jharkhand )
I was also thinking about switching to Optima Secure+ and choosing the 5 year
I am assuming after all the checks the final policy would go up to 2.3 something? But atleast parents would be getting a safety net for 5 years right? and the SI increases per year? not so sure about how it works, so after 5 years i am looking at 50lakhs?
And when they are around 80ish 85ish i am looking at some x crore amount ? I am pretty confused for it because i am not sure once the tenure ends what would be the next 5 years amount would be? 2.8-3L?