Health Insurance - Super topup
13 Jun, 2021 by Pratik Goel
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?