Health insurance riders
08 Dec, 2021
by Vardhani Ratnala
Hi,
My husband and I are covered through a 20Lakh health insurance plan from ICICI Lombard but we intend to buy a super top up of 70 or 80L, please suggest if we should buy the super top up from ICICI Lombard or any other good company?
Secondly, I keep reading on various forums that we also need to buy separate policies for 1) Accident cover 2) Critical illness 3) Disability 4) Cancer care - Are we supposed to buy four more policies apart from the above mentioned health insurance? If yes, then should we buy four different policies or is there any other way out?
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Hello Vardhani,
Hope you are doing well! To answer your question on Super Top-Ups, it is always recommended that you buy the Super Top-Up from the same insurance company and in the same month you purchased your base plan. It will make your claim settlement process quite seamless. We have written a detailed article on this explaining everything that can go wrong with Super Top-Ups. Sharing the link to that article with you for your ready reference - https://www.beshak.org/insurance/health-insurance/articles/6-Important-tips-to-buy-the-best-Super-Top-up-Health-Insurance
To answer the second part of your question, a separate policy for Critical Illness, Cancer Care, Accidental Death, and Disability is always recommended one should have over their other insurance policies.
Hope this helps! Let me know if you have any follow-up questions.
Thanks!