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Health Insurance - Super topup
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13 Jun, 2021
by Pratik Goel
Hi Team.
I have floater for 5lacs covering my wife and I, and a super topup for both of us with deductible of 5lac for 20 lacs. Suppose in a year there are 2 claims:
- Claim of 5 lacs for wife (my understanding is this will be covered by base policy).
- Supposed 2nd claim in same year is for 7 lacs. Will this entire 7 lacs be covered by super top up? Or, do I need to pay 5lac out of my own pocket, and the super topup will only cover for balance 2 lacs after paying 5lac deductible on my own?
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Dear Pratik,
I suppose your super top up also covers you & your wife on a floater basis. Should that be the case, the 2nd claim of 7 lacs will be paid in full by your super top-up policy whether the 2nd claim is on you or your wife.
Hope this answers your question.
Regards
Asad Akbar