Shortlisted this Health Insurance for Parents with Beshak

My parents close to 70 yrs both suffering from BP, Diabetes, Cholesterol, Thyroid. So after rigorous discussions with Beshak, the advisor has suggested few policies and i shortlisted Manipal Cigna Sarva Uttam (Mainly due to Instant cover Rider benefit.) Here is the details of the plan. * 15L coverage (NCB - doubles every year) * PED - Instant Cover after 30 days (Addon) * Unlimited Restoration (Addon) * Non Medical items covered (Addon) * Pre and Post Hospitalization - 90 & 180 days respectively. * Deductible options * No Copay Premium is coming around 85K and with 1L deductible it is reducing to 56K. I wanted to get your feedback for this plan, any better ways to manage premium expense, and also whether ManipalCigna is worth going for?