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How is the deductible calculated for family floater base plans to claim from super topup?

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10 Jan, 2023 by  Prabath

I have a family floater health insurance for 5L and supertop up plan for 25La with 5Lac as deductible .

So deductible should be crossed by an individual or as a family ? let me ask with scenario

Scenario 1 :

If A and B are members of family floater of 5Lac , A claimed for 3L and B claimed for 2Lac in a hospitalisation and they are covered by their base insurance .

If A has got another hospitalisation for which bill was 2 Lacs .. Will this be paid by super topup plan ?

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Health Insurance

1 Answer

17 Jan, 2023
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Hi Prabath

If it's a family floater, the super top up will get triggered after your deductible amount is exhausted by any member in the family floater policy

Hope this helps

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