u/Proper_Assistant_562

I want to change my parents’ health insurance from Star Health to either HDFC Ergo or Aditya Birla Health Insurance. However, I am confused about the structure I should avail of.
Option 1: Buy a 15L cover for my parents (single policy) with a premium of 52k pa
Option 2: Buy (or Port existing 5L insurance) and purchase a 10L Super Topup, with a 5L deduction. This is going to cost me about 35-40k pa. Obviously, I will buy both from the same insurance company.

I understand that the second option is cheaper, but I'm not sure if there are some gaps.
Profile: 58M and 55F. Mother takes BP medicine—no history of hospitalisation for either.

I want to change my parents’ health insurance from Star Health to either HDFC Ergo or Aditya Birla Health Insurance. However, I am confused about the structure I should avail of.
Option 1: Buy a 15L cover for my parents (single policy) with a premium of 52k pa
Option 2: Buy (or Port existing 5L insurance) and purchase a 10L Super Topup, with a 5L deduction. This is going to cost me about 35-40k pa. Obviously, I will buy both from the same insurance company.

I understand that the second option is cheaper, but I'm not sure if there are some gaps.
Profile: 58M and 55F. Mother takes BP medicine—no history of hospitalisation for either.