Do i need to purchase Corona Kavach policy. I have 10L (Base) + 20L (Super topoup)

Suggestions as desired :

1. You do not need Corona Kawach as it compliments health insurance . Go for Corona Rakshak which is a defined benefit plan to compensate your income loss . If you are infected and hospitalized for 72 hour then Rakshak offers you sum assured .
2. I recommend sum assured of Rs 3 lakh for income loss of 18 days .
3. Super top of Rs 20 lakh is good enough . You can supplement it through Max Bupa 10 lakh . They have independent top up plan .
4. Yes , portability is allowed for super top up apple to apple comparison .
5. You do not need to shift base plan for new top up these are sold as independent plan with deductibles .

Shailesh

Insurance Samadhan

1) can you please advise which insurance provider do you suggest for smooth online purchase of corona Rakshak.

Corona Rakshak is available online only on SBI General, Iffco Tokio today. There are many technical glitches in the journey so you will have to be patient when buying. People in the community have been able to buy since the last few days.

2) As I understand corona Rakshak maximum sum assured is 2.5 Lakhs.

Yes, you are right - but it's a cash benefit policy - you are paid Rs. 2.50 Lakhs if you are in hospitalization for 72+ hours due to COVID.

3) you are suggesting to take another new supertop up policy with 10Laks base and 10Laks super topup please advise

Note, the deductible is not part of the sum insured - is not deducted from the sum insured. If you are Super Topup is of 20L sum insured, then you are already covered for Rs. 30 L. Please check the Sum Insured and the Deductible again and let us know.