back arrow Back

Health Insurance for Parent

reply Share
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.

like like

1 Answer

13 Jun, 2021
Self Employed - Digital Consultant

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.


Asad Akbar

like like
icon-comment 1 Comments
icon-reply Reply
14 Jun, 2021
Pratik Goel
like like
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2023 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂