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Base policy with capping and top up without capping

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10 Mar, 2021 by  Jimeet Gala

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?

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Health Insurance

1 Answer

15 Mar, 2021

Dear Jimeet,

Please note the base policy and top up policy are both altogether different policies. The top up policy would have its own specified waiting period and exclusions. It is advisable to preferably take a top up cover from the same insurer as the one with whom the base policy is issued. One more important thing to factor in is to take a top up plan with the same date as your base policy commencement

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17 Mar, 2021
Jimeet Gala
Thank you Sathish for your reply. Yes I am aware about the same date and to take from the same company itself. But since the base policy has a capping, I preferred HDFC over it. And before proceeding, just wanted to understand whether HDFC will also consider capping, since my base policy has capping of 1% of Sum insured?
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17 Mar, 2021
Hey Jimeet, good to know you are aware of the important factors to be considered for a top up cover. As Top Up plans are a completely different ones as compared to your base plans you will have to check the policy wordings for the top up cover you are trying to buy to know whether there's a capping applicable with regard to room rent capping.
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