Hi Admin, I am looking for aguidance on purchasing health insurance for my parents. Father : 61 yrs old no medical history Mother: 52 yrs old only hypertension. Considering the above facts.. 1) Is it advisable to go for family floater or individual plan 2) is it advisable to have 10 lac sum assured or to buy (5 lac + top up 5lac) as sum assured 3) Can you suggest me some market products where I am looking for No room rent limit, no co pay clauses. 4) What is your view for the products Apollo Munich Optima Restore v/s Max Bupa Heartbeat Gold 5) Can you suggest a product much competitive to the above two of your choice. Appreciate your response and guidance. Thanks!