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Need advice on mediclaim policy for mother aged 55

Hello Guys.

Hope you are doing well.
I am looking for mediclaim policy for my mother, who is aged 55.
I tried finding out some options & learnt that if I buy it from my company, the premium is 5760 for sum assured 1lac & only 80% will be reimursable.

Is it something that I shoudl go with or would you suggest me to go for some othe option for which I need to pay less premium & 100$ reimursable?

Thanks in advance for your advise.

Regards,
Geet

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