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Health Insurance for Parent

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13 Jun, 2021 by  Pratik Goel

Hi Team,


I have covered my parents under a corporate cover (8 lacs) provided by my employer. Have taken a separate personal cover for wife and myself. I am looking to buy a super top up for my parents. My question is as below:


  1. Can I limit the usage of my corporate cover and utilize the super top up to make a claim even though the corporate cover is not fully used? eg. suppose there is a claim for 7 lacs. Corporate cover available is 8 lacs. Assuming, i have taken a super top up for 10 lacs with deductible of 3 lacs, can I use my corporate cover to pay only the min deductible (3L), and balance (4L) to be paid using the super top up? Do I have an option to exercise this right?


Thank you.





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13 Jun, 2021

Dear Pratik,


Yes, you can do as illustrated in your question. Super top-ups pay after the aggregate hospitals bills in a year exceed the Deductible amount.


Regards


Asad Akbar

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14 Jun, 2021
Pratik Goel
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