Need genuine advice!

I am in dire need of genuine advice basis your experience with these health insurance

I’m 27 Male looking to get a health insurance for myself. I have locked in a 15lac Base SI but confused between these two companies
Premium charges:
Hdfc - 10,643
Care Supreme - 10,006(added add-ons to be at equal par with HDFC benefits)

I have an inclination towards HDFC for now and can easily go with HDFC at present with my current finances.
But what concerning me is the premium when I touch 60years basis below(Hdfc increases premium by 3-4% annually vs Care does it every 5years by 15-20%) :

HDFC premium for a 60year right now is 48,200
Adding a 10% increase gets me to 53,020(61year) and adding 10% every year touches the premium to
85,389(66years)

On other hand for Care Supreme(exact same benefits) (post 60years of age is a steep jump and then on every 5years a 30% increase)
61year premium right now is 40,944, adding 30% to it comes 53,330 for 66years of age

No it comes to ₹85,389 for 66years in HDFC vs 53,330 for 66years in Care

Concerning part is would I be in a financial condition of bearing a whooping 85k at a age of 66years(probably no corporate job by then)
Or I should go with Care since 53k is way less

Confused between the reliability and strong claim processing among the two Health Companies.
Pls chime in with you reviews