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I have two health policies one of them with super top up. How is the claim settled
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19 Oct, 2022
by B MISHRA
In case of two health policies in the same person name, one with a super top up and one without super top up how Is the deductible amount decided? By adding the base limit of both policies or the base limit of the policy with super top up?
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Dear Mr Mishra,
While buying a super top-up one has to decide on two things
a) Deductible
b) Sum Insured
Amount of Deductible is offered by the insurer similar is the case with Sun Insured.
If one has to choose the deductible then it ideally should be upto the base sum insured.
I hope i have been able to answer your query.
Regards
Rohit Dhingra