If the super top up is floater , Should the base coverage also floater ?

Yes, you can take Super Top-up as Floater, at least to save on premiums or get higher coverage for the same premium when compared to Individual plan.

Only problem is when the individual base plans are of different SI. You'll have to take the lowest of these as the deductible for the Super top-up plan.

Claim wise, there's not much difference though whether the super top-up is individual or floater.

Example:

Scenario 1:

If A & B has 5L individual base plan each. Now, A & B together has take a 25L floater super top-up plan with 5L deductible and both policy periods coinciding.

Claim 1 for A: 6L

5L paid by A's base policy.

1L paid by super top-up floater policy.

Claim 2 for B: 3L

3L paid by B's base policy.

Claim 3 for B: 7L

2L paid by B's base policy.

5L paid by super top-up floater policy.

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Scenario 2:

If A & B has 5L individual base plan each. Now, A & B together has take a 15L individual super top-up plan each with 5L deductible and both policy periods coinciding.

Claim 1 for A: 6L

5L paid by A's base policy.

1L paid by A's uper top-up policy.

Claim 2 for B: 3L

3L paid by B's base policy.

Claim 3 for B: 7L

2L paid by B's base policy.

5L paid by B's super top-up policy.

(claim amounts shown here are valid/eligible claim after all deductions).

Thank you