Decision making

i am currently working in pwc india for last 8 months but facing lot of work pressure and no work life balance at all. But the issue is my mom is an health patient and currently getting modern treatment like immunotherapy, targeted therapy so here in pwc india the insurance is good and also they dont have cap limit for modern treatments also. And now i am gonna get offer from tcs. So current ctc is 27.5 fixed + variable maximum 7.5 so totally pwc said 35 but i donno how much variable i get it.

In tcs they are giving 40L ctc overall and in that i guess 10% variable. But i saw somewhere that even though tcs has good insurance but they have cap limit on modern treatments like immunotherapy, targeted therapy, oral chemotherapy etc.

Any advise on this?