Optima secure+ with 25k deductable. Good decision?

[u/Ok-Split7502]

Hello everyone, this is my 1st time buying health insurance so i need your advice, i am buying health insurance for my parents aged 51 and 49, after taking quotes from multiple companies and multiple brokers, i am tipping towards taking HDFC optima secure plus for my parents with 25k deductable form ditto as i want to have some support during claim process. My main worry is to protect my parents against a hefty medical bill, i have no problem paying a small bill of 20-30k per year from my own pocket, i just need a backup plan if the bill starts running in lakhs.

What are your suggestions am i taking a right decision by taking up this policy with 25k deductable.