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Does it matter if top-up / super top-up health insurance is bought from a different company?

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16 Nov, 2020 by  Bhumil Haria

What are implications of buying top-up / super top-up health insurance from a different company than the one providing the base health insurance policy?


This tweet suggests that it is beneficial to have the same company for both:

https://twitter.com/themahavir/status/1323939100739600385


However, when looking for policies, the options reduce greatly if looking for super top-up insurance from the same company (because it seems not everyone provides them). Which is the reason for the question - are there practical issues in having a different company?

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18 Nov, 2020

Hello Bhumil,


apart from the inconvenience of managing two insurers at the time of renewals and claims, there is nothing to worry about when you buy your Super Top-up policy from a different insurance company. Having both the policies from the same insurer can be an advantage at the time of claims - especially cashless.


While we are at it, here are some other points you should consider before buying a Super Top-up:

  1. Ensure your Super Top-up deductible is equal to your base sum insured (excluding any bonus)
  2. Check for any financial limitations in the policy - like a room rent limit or limits on surgery/treatments. Try to avoid such policies.


Regards,

Team Beshak.

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