u/Environmental_Low_29

Father 55 1 major accident

Mother 50 diabetic and overwt.

HDFC ergo optima secure plus vs aditya birla active one max.

Premium difference is INR 13000.

I want a no hectic insurance so that I don't have to be in worry of parents. Premium here doesn't matter to me but active one max don't have much difference at a significant lower price.

So should I buy it from ditto, as they are the one advising me.

Or anything else.

I have taken all important add ons in the insurance.