It's a good plan and tick all the boxes listed by you above.
I have made a quick premium comparison for you.
In all the three policies above points are covered. It's your personal decision which plan you wanted to buy. Some go with PSU... some to Pvt.What are the points that we need to check while taking super top up. Here is the tentative list that I have made.
* It must have family floater
* It must have facility for life long renewal.
* Claim process must be easy.
Please add on to these points.
Regards,
Veerendra Darakh







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