Insurance advice for plans for my parents 56m and 51f

i am looking to buy change theinsurance provider for my parents plan from star health to hdfc ergo or icici lombard

currently my parents plans in star health individual plans 5l each

star comprehensive 5l+5l ncb for mother 51f bp no ped nosurgery no claims

star diabetic safe 5l 56m 1 claim for a l4,l5,s1 spinal surgery approved in 2025 march also bp and diabetes

currently the plan premium and support of starhealth is not that great

solooking at plans of icici elevate 20l plan with powerbooster and room modifier to twin sharing

or hdfc ergosecure with 10+10 with unlimitedrestore

now i want 2 things the renewaldate for star health is 19sep 2026

1.which should ichoose

2.should iget a group policy or individual policy for each of them

for icici i can get a cibil discount also as ihave goodcibil

or go with hdfc ergo

3.if i go with any is it better toport or just get a new policy and buy the raider of abcd chronic care or jumpstart and buy policy