L820 is old and yes its far better than H200.
L830 is also available for 24K.
These pseudo DSLR look alike have worse image quality.
I would still recommend a Sony WX220 for pure image quality.
The only thing better is a Nikon P310 or Olympus XZ10 (or XZ1) but I very much doubt if u can find one in your budget.
Alternative choices are Nikon S9600 and Canon SX 270HS. Nikon has better zoom and higher resolution while canon takes better pics in auto mode.
Among DSLR look alike Samsung WB2100 is best 2nd comes Nikon L830 both costs around 24,500.
16.3MP Long Zoom Camera EC-WB2100BPRUS Red | Samsung Cameras
Nikon | Imaging Products | COOLPIX L830