Dear Experts,
I am covered upto 6 lacs with Oriental happy family floater taken 2 yrs back. My age is 42, my wife 39, child 12 years. Now the third policy claim free renewal is due on 23 Dec 2014.
1. Should I upgrade my existing policy to 10 Lacs from Oriental. Premium for adding 4 lacs is 7686.
2. Or is it beneficial to take Super top up plan from L&T insurance. The premium is 2966 for 5 LAC deductible with coverage 10 LAC.
Please guide as i m lil bit confused.
Thanks