Base policy with capping and top up without capping
My father has a base policy with united India of Rs. 5 lakhs. I am planning to buy a top up plan of 20 lakhs with 5 lakh deductible from hdfc.
The base policy of united India has capping whereas the top up doesn't have capping.
My question is, whether the topup would cover the policy as per the base policy terms and conditions or without capping?