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Need suggestions for Health insurance for Parents

Hi

 My parents age are 55 and 42 respectively. Currently, I pay 17,000 for the premium of 3L+ 3L in my current company?

 I feel it’s too high compare to outside offers.

 I need your valuable advice whether I can go outside to subscribe insurance or not. If outside, will most of the diseases be covered.  Both are diabates-free.

 And also, which one will be most efficient family floater or separate premiums?

 Could someone of you share your experience?

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