u/Karamchand27

Father: 56 years old (diabetic)

Mother: 53 years old

Me: 28 years old

I’ve never bought health insurance before and honestly the whole thing feels quite complicated — waiting periods, co-pay, room rent limits, top-ups, cashless claims, exclusions etc.

Trying to understand:

How much cover is actually needed

Individual vs floater

Whether super top-up is useful

Which insurers are reliable during claims

What mistakes first-time buyers should avoid

Would really appreciate advice from people who’ve gone through this themselves.

Thanks.